Reliance Retirement Fund - Wealth Creation Scheme

This product is suitable for investors who are seeking*:

• Long term growth and capital appreciation• Investing primarily in Equity and equity related instruments and balance in fixed income securities so as to help the

investor in achieving the retirement goals.

Reliance Retirement Fund - Income Generation Scheme

This product is suitable for investors who are seeking*:

• Income over long term along with capital growth• Investing primarily in fixed income securities and balance in equity and equity related instruments so as to help the

investor in achieving the retirement goals.

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Continuous offer for Units at NAV based prices.TRUSTEE REGISTERED OFFICEReliance Capital Trustee Co. Limited,CIN : U65910MH1995PLC220528Reliance Centre, 7th Floor, South Wing, Off Western Express Highway,Santacruz (East), Mumbai - 400 055.Tel No. - 022- 33031000, Fax No. - 022- 33037662

E-mail : customer_care@reliancemutual.com‘Touchbase’ [Customer Helpline] 3030 1111Investors using mobile phones need to prefix STD Code of their respective city before 3030 1111.

MTNL/BSNL subscribers need to dial 022 - 3030 1111.Overseas callers need to dial 91 - 22 - 3030 1111.Website: www.reliancemutual.com

INVESTMENT MANAGERREGISTERED OFFICEReliance Nippon Life Asset Management Limited,(formerly Reliance Capital Asset Management Limited)CIN : L65910MH1995PLC220793Reliance Centre, 7th Floor, South Wing, Off Western Express Highway,Santacruz (East), Mumbai - 400 055.Tel No. - 022- 33031000, Fax No. - 022- 33037662

REGISTRARKarvy Computershare Pvt. Ltd.Karvy Selenium Tower B, Plot number 31 & 32, Financial District,Nanakramguda, Serilingampally Mandal,Hyderabad - 500032, India

CUSTODIANDeutsche Bank A.G.Deutsche Bank House, Hazarimal Somani Marg Fort,Mumbai 400 001, INDIA

AUDITORS TO THE SCHEMESHaribhakti & Co. LLPChartered Accountants705, Leela Business Park, Andheri Kurla Road,Andheri (E),Mumbai – 400 059, INDIA.

This Key Information Memorandum (KIM) sets forth the information, which a prospective investor ought to know before investing. For further details of the Scheme/Mutual Fund, due diligence certificate by the AMC, Key Personnel, investors’ rights & services, risk factors, penalties & pending litigations, etc., investors should, before investment, refer to the Scheme Information Document and Statement of Additional Information available free of cost at any of the Investor Service Centres or distributors or from the website www.reliancemutual.com.

The Scheme particulars have been prepared in accordance with Securities and Exchange Board of India (Mutual Funds) Regulations 1996, as amended till date, and filed with Securities and Exchange Board of India (SEBI). The units being offered for public subscription have not been approved or disapproved by SEBI, nor has SEBI certified the accuracy or adequacy of this KIM. This KIM is dated March 29, 2018.

Product labels

Reliance Retirement Fund(An open ended notified tax savings cum pension scheme with no assured returns)

Key Information Memorandum cum Application Form

Investors understand that their principalwill be at Moderately High risk

Wealth Sets You Free

INVESTMENT OBJECTIVE: The investment objective of the scheme is to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities. However, there can be no assurance or guarantee that the investment objective of the Scheme will be achieved.

ASSET ALLOCATION PATTERN OF THE SCHEMEUnder normal circumstances, the anticipated asset allocation would be:

Wealth Creation Scheme

Instruments Indicative asset allocation (% of total assets)

Minimum Maximum Risk Profile

Diversified Equities and equity related securities 65% 100% Medium to High

Debt and Money market securities 0% 35% Low to Medium

Income Generation Scheme

Instruments Indicative asset allocation (% of total assets)

Minimum Maximum Risk Profile

Diversified Equities and equity related securities 5% 30% Medium to High

Debt and Money market securities 70% 95 % Low to Medium

Applicable to Both – Wealth Creation Scheme and Income Generation SchemeThe scheme may engage in securities lending and repo in corporate debt. The scheme will nei-ther invest in securitized debt nor engage in short selling.Gross exposure of the scheme to repo transactions in corporate debt securities shall not be more than 10% of the net asset scheme or such other limits as may be permitted by SEBI from time to time . The scheme may engage in Securities Lending not exceeding 15% of the net assets of the scheme and shall not lend more than 5%of its Net Assets to a single counterparty or such other limits as may be permitted by SEBI from time to timeIf the Fund Manager decides to invest in ADRs / GDRs issued by Indian / foreign companies and in foreign Securities in accordance with SEBI Regulations in the Scheme, investments in such instruments will not exceed 20% of the net assets of the Scheme.Gross investments in securities under the Scheme which includes equities, equity related instru-ments/securities, debt securities, money market instruments and derivatives will not exceed 100% of the net assets of the Scheme or such other limits as may be permitted by SEBI from time to time. However, the gross exposure to derivatives in the equity segment shall be restricted to 50% of the net assets of the SchemeThe Scheme may take derivatives position based on the opportunities available subject to the guidelines issued by SEBI from time to time and in line with the overall investment objective of the Scheme. These may be taken to hedge the portfolio, rebalance the same or to undertake any other strategy as permitted under the SEBI Regulations.The fund will also invest in Pre IPO Placement, lock-in non transferable securities and upto 5% or maximum permissible limit in Unlisted Securities.The AMC reserves the right to change the above asset allocation pattern in the interest of the in-vestors depending on the market conditions for a short term period of defensive consideration. In case any deviation from the asset allocation, the fund manager will carry out rebalancing within 30 days. Where the portfolio is not re-balanced within 30 Days, justification for the same shall be placed before the Investment Committee and reasons for the same shall be recorded in writing. The Investment Committee shall then decide on the course of action. However, at all times the portfolio will adhere to the overall investment objectives of the Scheme

Applicable to Income Generation SchemeRNAM will ensure that total exposure of the scheme in a particular sector (excluding investments in Bank CDs, short term deposits of scheduled commercial banks, CBLO, G-Secs, T-Bills and AAA rated securities issued by Public Financial Institutions and Public Sector Banks and such other instruments if any, as may be specified by SEBI from time to time) shall not exceed 25% or such other percentage of the net assets of the scheme, as prescribed by SEBI from time to time.An additional exposure to financial services sector (over and above the limit of 25%) not exceed-ing 15% of the net assets of the scheme shall be allowed by way of increase in exposure to Housing Finance Companies (HFCs) rated AA and above and registered with National Housing Bank (NHB). However, such total investment/ exposure in HFCs shall not exceed 25% of the net assets of the scheme or such other percentage of the net assets of the scheme, as prescribed by SEBI from time to time.

INVESTMENT STRATEGYInvestment Strategy for Wealth Creation SchemeThe Wealth Creation Scheme, under normal market conditions, will invest its net assets primarily in Equity and equity related instruments and balance in fixed income securities, money market instruments and cash equivalents.For investments in equity and equity related securities, the Wealth Creation Scheme would identify companies for investment, based on the following criteria amongst others:a) Sound Managementb) Good track record of the companyc) Potential for future growthd) Industry economic scenarioBesides, it is expected that a portion of the funds will also be invested in initial offerings and other primary market offerings. Risk will be managed through adequate diversification by spreading investments over a wide range of companies across sectors and market capitalization.For investments in Debt Securities, income may be generated through the receipt of coupon pay-ments, the amortization of the discounts on debt instruments or the purchase and sale of securi-ties in the underlying portfolio.The Fund Manager may adopt a different strategy considering the market scenario, opportunities available in different sectors and market capitalization.Investment Strategy for Income Generation SchemeThe fund management team will endeavor to maintain a consistent performance in Income Gen-eration Scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for

management of the fixed income portfolios.The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Investment views / decisions will be taken on the basis of the following parameters:a) Prevailing interest rate scenariob) Quality of the security / instrument c) Maturity profile of the instrumentd) Liquidity of the securitye) Any other factors in the opinion of the fund management teamThe Fund Manager may adopt a different strategy considering the market scenario, opportunities available in different sectors and market capitalization.Though every endeavor will be made to achieve the objectives of the Scheme, the AMC/Spon-sors/Trustees do not guarantee that the investment objectives of the Scheme will be achieved. No guaranteed returns are being offered under the Scheme. However there is no assurance that all such buying and selling activities would necessarily result in benefit for the Fund. The allocation between debt and equity will be decided based upon the prevailing market conditions, macro-economic environment, and the growth potential and other economic factors of the countries, the equity market and other considerations. At time such churning could lead to higher brokerage and transaction costs

WHERE WILL THE SCHEME INVEST? (Applicable to both the Schemes)The scheme endeavors to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities.The equity asset allocation will be invested in diversified equity and equity related securities of the companies that have a potential to appreciate in the long run. Therefore the fund would have the flexibility to invest in stocks from sectors and industries of all market capitalization. The allocation to the different market caps would vary from time to time depending on the overall market condi-tions, market opportunities and the fund manager’s view.However, depending on the views of the fund manager and market conditions in the interest of the investors, the fund manager will have the flexibility to select stocks which he feels are best suited to achieve the stated objective. However there can be no assurance that the investment objective of the scheme will be realized, as actual market movements may be at variance with anticipated trends.Income may be generated through the receipt of coupon payments, the amortization of the dis-count on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. Fixed income securities includes, but is not confined to debt obligations of the Government of India, state and local governments, government agencies, statutory bodies, public sector under-takings, Financial Institutions, public and private sector banks and corporate entities. Investments in fixed income securities will be in securities rated by at least one recognized rating agency. Investments in unrated securities will be made as per the parameters specified by the Board of Directors of the AMC &/or the Trustee. Money market securities includes but are not lim-ited to treasury bills, commercial paper of public sector undertakings and private sector corporate entities, interbank call and notice money, certificates of deposit of scheduled commercial banks and Financial Institutions, bills of exchange/promissory notes of public and private sector entities (co-accepted by banks) and any other money market securities as may be permitted by SEBI/RBI. From time to time, it is possible that the portfolio may hold cash.The schemes may also enter into repurchase and reverse repurchase obligations in all securities held by them as per the guidelines and regulations applicable to such transactions. Further, the scheme intends to participate in securities lending as permitted within the Regulations. It is the intention of the scheme to trade in the derivatives market as per the Regulations. The scheme also intends to invest in foreign equity and debt securities as well as ADRs/GDRs of Indian companies in accordance with the Regulations.The above mentioned securities could be listed, unlisted, secured, unsecured, rated or unrated and may be acquired through initial public offerings, secondary market offerings, private place-ments, rights offers or negotiated deals.The AMC reserves the right to change the above asset allocation pattern in the interest of the in-vestors depending on the market conditions for a short term period of defensive consideration. In case any deviation from the asset allocation, the fund manager will carry out rebalancing within 30 days. Where the portfolio is not re-balanced within 30 Days, justification for the same shall be placed before the Investment Committee and reasons for the same shall be recorded in writing. The Investment Committee shall then decide on the course of action. However, at all times the portfolio will adhere to the overall investment objectives of the Scheme.Subject to the Regulations, the corpus of the Schemes/Plans can be invested in any (but not ex-clusively) of the following securities:1) Indian Equity and equity related securities including convertible bonds and debentures

and warrants carrying the right to obtain equity shares.2) Securities created and issued by the Central and State Governments and/or repos/re-

verse repos in such Government Securities as may be permitted by RBI (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills)

3) Securities guaranteed by the Central and State Governments (including but not limited to coupon bearing bonds, zero coupon bonds and treasury bills)

4) Debt securities issued by domestic Government agencies and statutory bodies, which may or may not carry a Central/State Government guarantee.

5) Corporate debt securities (of both public and private sector undertakings)6) Securities issued by banks (both public and private sector) as permitted by SEBI from time

to time and development financial institutions7) Money market instruments permitted by SEBI, having maturities of up to one year, or in

alternative investment for the call money market.8) Certificate of Deposits (CDs)9) Commercial Paper (CPs)10) The non-convertible part of convertible securities11) Any other domestic fixed income securities12) Derivative instruments like Interest Rate Swaps, Forward Rate Agreements, Stock / Index

Futures, Stock / Index Options and such other derivative instruments permitted by SEBI.13) ADRs / GDRs of Indian companies listed abroad14) Any overseas debt instrument, as permitted by regulations.15) The liquid schemes launched by SEBI registered Mutual Fund or schemes that invest pre-

dominantly in money market instruments / securities16) The scheme shall engage in securities lending for equity investments, in line with the SEBI

(Mutual Funds) Regulations, 1996, Securities Lending Scheme, 1997, SEBI Circular No MFD/CIR/ 01/ 047/99 dated February 10, 1999, SEBI Circular no. SEBI / IMD / CIR No 14 / 187175/ 2009 dated December 15, 2009, SEBI circular No MRD/DoP/SE/Dep/ Cir-14/2007 dated December 20, 2007 notifying framework for lending of securities and such other applica-ble guidelines as may be amended from time to time.

Investment in overseas securities shall be made in accordance with the requirements stipulated by SEBI and RBI from time to time.

17) The Fund may also enter into “Repo”, hedging or such other transactions as may be al-lowed to Mutual Funds from time to time. In line with SEBI circular dated November 11, 2011 investments in corporate bond repo shall be made basis the policy approved by the Board of RNAM and RCTC. The significant features are as follows:

i. As specified in the SEBI Circular dated November 15, 2012, the base of eligible securities for mutual funds to participate in repo in corporate debt securities, is from AAA rated to AA and above rated corporate debt securities.

ii. Category of counterparty & Credit rating of counterparty RMF schemes shall enter in lend-ing via Repo only with Investment Grade counterparties (as required by SEBI Regulations) which are part of the approved debt universe (i.e. on which we have limits).

iii. Restriction pertaining to tenor of Collateral For FMPs, the tenor of the collateral should ex-pire before the maturity of the scheme. For other schemes, the collateral should comply with the maturity restrictions placed, if any, for those schemes in the Debt Investment Policy.

iv. The Gross exposure of the scheme to repo transactions in corporate debt securities shall not be more than 10% of the net asset scheme. All investment restrictions stated above shall be applicable at the time of making investment

v. Applicable haircut RBI in its circular dated November 09, 2010 had indicated the haircut to be applied for such transactions as

Sr No Rating Minimum Haircut

1 AAA 10%

2 AA+ 12%

3 AA 15%

The above haircuts are minimum stipulated haircuts where the repo period is overnight or where the remargining frequency (in case of longer tenor repos) is daily. The RBI had ear-lier recommended a haircut of 25%. It is proposed that we maintain a minimum haircut of 15% for all repo contract of less than 3 months, and 25% for other contracts, unless a lower haircut is approved by the Investment Committee. The Fund Manager may refer to the rating-haircut matrix published by FIMMDA, to determine the appropriate haircut.

Investment in overseas securities shall be made in accordance with the requirements & limits stipulated by SEBI and RBI from time to time.

The scheme may participate in securities lending as permitted under the Regulations. Investment in overseas securities shall be made in accordance with the requirements stipulated by SEBI and RBI from time to time.

The Fund may, where necessary, appoint advisor(s) for providing advisory services for such Scheme’s investments. The appointment of such advisor(s) shall be in accordance with the applicable requirements of SEBI. The fees and expenses would illustratively in-clude, besides the investment management fees, custody fees and costs, transaction costs and overseas regulatory costs, the fees of appointed advisor(s). The fees related to these services would be borne by the AMC and would not be charged to the Scheme.

HOW THE SCHEME IS DIFFERENT FROM THE EXISTING OPEN ENDED SCHEMES OF THE MUTUAL FUND

Reliance Growth FundAsset Allocation Pattern: Equity & Equity Related Instruments - 65% -100%, Debt Instruments & Money Market Instruments - 0% - 35%, Primary Investment Pattern: The primary investment objective of the Scheme is to achieve long term growth of capital by investing in equity and equity related securities through a research based investment approach. However, there can be no assurance that the investment objective of the Scheme will be realized, as actual market move-ments may be at variance with anticipated trends. Investment Strategy: The portfolio shall be structured so as to keep risk at acceptable levels. This shall be done through various meas-ures including: 1. Broad diversification of portfolio 2. Ongoing review of relevant market, indus-try, sector and economic parameters 3. Investing in companies which have been researched 4. Investments in debentures and bonds (where the tenure exceeds 18 months) will usually be in instruments which have been assigned investment grade ratings by any approved rating agency, Differentiation: The core philosophy of the fund is to focus on high quality mid cap stocks while having a small exposure to large cap stocks. Month-end AUM as on 28th February 2018: Rs. 7032.8 Crs, No. of Folios as on 28th February 2018: 518273

Reliance Vision Fund (Reliance Natural Resources Fund has been merged into Reliance Vi-sion Fund)Asset Allocation Pattern: Equity & Equity Related Instruments - 60-100%, Debt Instruments 0-30% & Money Market Instrument 0-10%., Primary Investment Pattern: The primary investment objec-tive of the scheme is to achieve long-term growth of capital by investment in equity and equity related securities through a research based investment approach, Investment Strategy: The portfolio shall be structured so as to keep risk at acceptable levels. This shall be done through various measures including: 1. Broad diversification of portfolio 2. Ongoing review of relevant market, industry, sector and economic parameters 3. Investing in companies which have been researched 4. Investments in debentures and bonds (where the tenure exceeds 18 months) will usually be in instruments which have been assigned investment grade ratings by any approved rating agency, Differentiation: The fund aims to achieve long term capital appreciation through investment in high quality large size capitalization stocks with a small exposure in mid size capi-talization stocks. Month-end AUM as on 28th February 2018: Rs. 3500.23 Crs, No. of Folios as on 28th February 2018: 518942

Reliance Top 200 Fund (Formerly, Reliance Equity Advantage Fund)Asset Allocation Pattern: Equity & Equity Related Instruments-65-100%, Debt Instruments & Mon-ey Market Instruments (including investments in Securitised Debt) 0 - 35% (including up to 25% of the corpus in securitised Debt) Primary Investment Pattern: The primary investment objective of the scheme is to seek to generate long term capital appreciation by investing in equity and equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200. The secondary objective is to generate consistent

returns by investing in debt and money market securities. Investment Strategy: The Scheme will invest in equity or equity related instruments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200. The Scheme may also invest in large IPO’s where the market capitalization of the Company making the IPO based on the Issue price will be within the range of highest & lowest market capitalization of S&P BSE 200. The fund will have the flexibility to invest in a broad range of companies with an objective to maximize the returns, at the same time trying to minimize the risk by reasonable diversification. However there can be no assurance that the investment objective of the scheme will be realized, as actual market movements may be at variance with anticipated trends. The selection of the companies will be done so as to capture the growth in the Indian economy. The fund will be focusing on companies having good liquidity in the stock market. Investment in overseas securities shall be made in accordance with the requirements stipulated by SEBI and RBI from time to time. Gross investments in securities under the Scheme which includes equities, equity related instruments/securities, debt securities, money market instruments and derivatives will not exceed 100% of the net assets of the Scheme, Differentiation: The Scheme will invest in equity or equity related instru-ments of companies whose market capitalization is within the range of highest & lowest market capitalization of S&P BSE 200. Month-end AUM as on 28th February 2018: Rs. 8471.14 Crs, No. of Folios as on 28th February 2018: 486690

Reliance Equity Opportunities FundAsset Allocation Pattern: Equity & Equity Related Instruments-75-100%, Debt Instruments & Mon-ey Market Securities (including investments in Securitised Debt*) 0- 25%. (*including upto 25% of the Corpus in Securitised Debt), Primary Investment Pattern: The primary investment objective of the scheme is to seek to generate capital appreciation & provide long-term growth opportuni-ties by investing in a portfolio constituted of equity securities & equity related securities and the secondary objective is to generate consistent returns by investing in debt and money market securities, Investment Strategy: The Fund will endeavor to continuously analyze the performance of economy and industry, which would be reflected in the investment pattern of the fund. The Fund would seek both value & growth, which are likely to commence from the ongoing structural changes in the government policies, infrastructure spending and continuous global economic reforms which tries to integrate different economies across the globe. The primary approach to stock selection will be through the Top down approach i.e Sector -- Industry-- Company, Differ-entiation: The fund has the mandate to invest across companies (belonging to different sectors) with different market caps; be it large, mid or small. The fund manager would have the flexibility to be overweight in a particular sector or market caps depending on the potential & opportunities as they arise. The investment horizon of the fund is minimum 2 yrs. Month-end AUM as on 28th February 2018: Rs. 10106.98 Crs, No. of Folios as on 28th February 2018: 662306

Reliance Quant Plus FundAsset Allocation Pattern: Equity & Equity Related Instruments-90%-100% & Debt & Money Market Instruments - 0%-10%, Primary Investment Pattern: The investment objective of the scheme is to generate capital appreciation through investment in equity and equity related instruments. The scheme will seek to generate capital appreciation by investing in an active portfolio of stocks selected from Nifty 50 on the basis of a mathematical model. Investment Strategy: The Fund will focus on large cap/liquid stocks and use stocks designated by NSE as members of Nifty 50. The fund will have a significant concentration of stocks in the portfolio while making active selective decision in stocks/sectors of Nifty 50. Quantitative methods will be used for (i) screening mecha-nism to choose best picks and make the stock selection universe smaller, (ii) Deciding on the portfolio weightage for better return as the investment will focus on company’s size and liquidity., The quantitative model which will be used for stock selection will be based on two broad param-eters viz., Stock Price movement & Financial/ valuation aspects. The model will shortlist between 15-20 stocks (out of the resulting list) and the investments will be made in them on weightages defined by the fund manager. Differentiation: An investment fund which focuses on stocks from constituents of Nifty 50. The stock selection process is based on quantitative analysis, and the proprietary system-based model will shortlist between 15-20 stocks from screening mechanism at pre-determined intervals i.e. on weekly basis based on quantitative techniques. Month-end AUM as on 28th February 2018: Rs. 26.56 Crs, No. of Folios as on 28th February 2018: 3849

Reliance Focused Large Cap Fund (Formerly, Reliance Equity Fund)Asset Allocation Pattern: Equity and Equity related Instruments 80-100% and Debt Instruments and Money Market Instrument 0-20% The portfolio will consist up to 25 companies which will be among the top 100 companies by market capitalization and/or leaders in their respective seg-ments. The scheme will not invest in securitized debt. Primary Investment Pattern: The primary investment objective of the scheme is to generate long term capital growth by predominantly investing in an active and concentrated portfolio of equity & equity related instruments up to 25 companies belonging to the top 100 companies by market capitalization and/or leaders in their respective segments. The secondary objective of the scheme is to generate consistent returns by investing in debt & money market securities. Investment Strategy: The Broad Investment strategy of the fund will be to create a portfolio that will consist up to 25 companies which will be among the top 100 companies by market capitalization and/or leaders in their respective segments. Companies having large market capitalization (are referred as Large Cap Companies) offer ex-cellent investment opportunities. Such companies which tend to be leaders in their respective fields with having strong financials, vast experience and robust management. Differentiation: The fund will consist up to 25 companies which will be among the top 100 companies by market capitalization and/ or leaders in their respective segments. The Scheme may also invest in large IPO’s where the market capitalization of the Company making the IPO based on the Issue price will be within the range of top 100 companies by market capitalization, Month-end AUM as on 28th February 2018: Rs. 1344.8 Crs, No. of Folios as on 28th February 2018: 183482

Reliance Tax Saver (ELSS) FundAsset Allocation Pattern: Equity and Equity related securities 80%-100% and Debt and Money Market Instrument 0% - 20%, Primary Investment Pattern: The primary objective of the scheme is to generate long-term capital appreciation from a portfolio that is invested predominantly in eq-uity and equity related instruments, Investment Strategy: The investments in the Scheme shall be in accordance with SEBI (Mutual Funds) Regulations, 1996 and Equity Linked Saving Scheme, 2005 notified by Ministry of Finance (Department of Economic Affairs) vide Notifications dated Novem-ber 3, 2005 and December 13, 2005. The fund managers will follow an active investment strategy taking defensive / aggressive postures depending on opportunities available at various points of time, Differentiation: The fund is an open ended equity linked savings scheme which gives dual advantage of tax savings & growth potential. It is a large cap orientation fund which aim to have minimum 50% exposure to top 100 companies by market capitalization. Month-end AUM as on 28th February 2018: Rs.10344.84 Crs, No. of Folios as on 28th February 2018: 1220450

Reliance Banking FundAsset Allocation Pattern: Equity & Equity Related Instruments-80%-100% (Companies defined in the Banking Regulation Act, 1949 & Reserve Bank of India Act, 1934 as amended from time to time 80%-100% & Financial services companies which provide non banking financial services like housing finance, stock broking, wealth management, insurance companies and holding compa-nies of insurance companies* 0%-20%), Debt Instruments & Money Market Instruments: 0%-20%. In the total equity allocation, the fund will invest minimum 80% in companies defined in Banking Regulation Act, 1949 & Reserve Bank of India Act, 1934 as amended from time to time. In addition, maximum 20% of the equity allocation can be invested in financial services companies which provide non banking financial services like housing finance, stock broking, wealth management, insurance companies and holding companies of insurance companies. The fund will not invest in securitized debt. * The companies which will be included in financial service sector will be those companies which will provide non banking financial services like housing finance, stock broking, wealth management, insurance and other related financial services. Primary Investment Pat-tern: The primary investment objective of the Scheme is to seek to generate continuous returns by actively investing in equity and equity related securities of companies in the Banking Sector and companies engaged in allied activities related to Banking Sector. The AMC will have the discre-tion to completely or partially invest in any of the type of securities stated above with a view to maximize the returns or on defensive considerations. However, there can be no assurance that the investment objective of the Scheme will be realized, as actual market movements may be at variance with anticipated trends Investment Strategy: To achieve its primary objective , the fund could invest in equity securities of companies in Banking Sector and companies engaged in allied activities related to Banking Sector. Differentiation: The fund aims to generate consistent returns by investing in equity / equity related securities of Banking and companies engaged in allied activities related to Banking Sector. The fund follows an active strategy of management with endeavor to generate alpha and outperform the Banking Index. Month-end AUM as on 28th February 2018: Rs. 2890.88 Crs, No. of Folios as on 28th February 2018: 177094

Reliance Pharma FundAsset Allocation Pattern: Equity & Equity Related Instruments-0-100% & Debt Instruments & Money Market Instruments with Average Maturity of 5-10 years-0-100% (including upto 100% of the corpus in securitised Debt), Primary Investment Pattern: The primary investment objective of the scheme is to seek to generate consistent returns by investing in equity and equity related or fixed income securities of Pharma and other associated companies, Investment Strategy: The fund under normal circumstances shall invest at least 65% of the value of its total net assets either debt or equity securities in the Pharma Sector and associated companies of said sector. The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipated movement in both debt as well as equity markets. The Fund manager can also take aggressive calls on the market by going upto 100% in equity or 100% in debt at any point of time or any other appropriate ratio depending upon his view. The allocation between debt and equity will be decided based upon the prevailing market conditions, macroeconomic environment, the performance of the corporate sector, the equity market and other considera-tions, Differentiation: A dynamic asset allocation sector fund which aims to generate consistent returns by investing in large and mid cap companies spread across all important segments of the pharmaceutical industry. Month-end AUM as on 28th February 2018: Rs. 1984.1 Crs, No. of Folios as on 28th February 2018: 148291

Reliance Diversified Power Sector Fund (Reliance Infrastructure Fund has been merged into Reliance Diversified Power Sector Fund)Asset Allocation Pattern: Equity & Equity Related Instruments of companies in power scetor-80% - 100% & Equity and equity related instruments of companies engaged in allied activities related to power sector & Debt and Money Market Instruments – 0% - 20%, Primary Investment Pattern: The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related securities of companies in the power sec-tor, Investment Strategy: Reliance Diversified Power Sector Fund proposes to invest primarily in various segments of Indian power sector. Broadly, power sector companies can be segregated into those operating in the following genres: 1. Power Generation, including those companies that are engaged in renovation and modernization of existing plants’. 2. Power Transmission 3. Power Distribution, including retail supply of power 4. Power Trading, 5. Primarily financing / funding power projects, 6. Power Equipment, 7. Power Technology, 8. Emerging genres that will evolve as the Indian power sector develops. The Fund would identify companies for investment, based on the following criteria amongst others: 1. Sound Management, 2. Good track record of the company, 3. Potential for future growth 4. Industry economic scenario, 5. Strong Cashflows. Risk will be managed through adequate diversification by spreading investments over a wide range of companies. This shall be done through various measures including: 1. Broad diversifica-tion of portfolio, 2. Ongoing review of relevant market, industry, sector and economic parameters 3. Investing in companies which have been researched RNAM may, from time to time, review and modify the Scheme’s investment strategy if such changes are considered to be in the best interests of the unit holders and if market conditions warrant it. Differentiation: The fund focuses on companies related to power sector. It provides opportunity to diversify within the sector, with focused approach and flexibility to invest in power distribution, transmission and generation re-lated companies. Month-end AUM as on 28th February 2018: Rs. 2006.44 Crs, No. of Folios as on 28th February 2018: 363077

Reliance Media & Entertainment FundAsset Allocation Pattern: Equity & Equity Related Instruments-0-100% & Debt & Money Market Instruments with Average Maturity of 5-10 years-0-100% (including upto 100% of the corpus in securitised Debt), Primary Investment Pattern: The primary investment objective of the scheme is to generate continuous returns by investing in equity and equity related or fixed income securi-ties of Media & Entertainment and other associated companies, Investment Strategy: The Fund will invest in equity securities whenever the equity market and shares from the media sector are expected to do well. However, whenever the equity market is not expected to do well, the Fund will shift its focus in debt, which in extreme cases of bearish equity market can go upto 100%., The proportion of investment between equity and debt will be decided based on the view of the fund manager on anticipated movement in both debt as well as equity markets. The allocation between debt and equity will be decided based upon the prevailing market conditions, macro-economic environment, the performance of the corporate sector, the equity market and other considerations, Differentiation: A sector specific fund which focuses on investing in companies related to media & entertainment sector. Month-end AUM as on 28th February 2018: Rs. 70.22 Crs, No. of Folios as on 28th February 2018: 9938

Reliance Regular Savings Fund - Equity OptionAsset Allocation Pattern: Equity and Equity related securities 80%-100% and Debt and Money Market Instruments with an average maturity of 5-10 years 0%-20%, Primary Investment Pat-

tern: The primary investment objective of this option is to seek capital appreciation and/or to generate consistent returns by actively investing in Equity & Equity-related Securities. Investment Strategy: Investment may be made in listed or unlisted securities. Listed securities refer to securi-ties listed on any of the recognized Stock Exchanges. Investments may be made as secondary market purchases, initial public offer, rights offers private placement etc. The Fund would identify companies for investment, based on the following criteria amongst others: 1. Sound Manage-ment 2. Good track record of the company 3. Potential for future growth 4. Industry economic sce-nario, Differentiation: Reliance Regular Savings Fund has been launched as an asset-allocator fund which gives investor an option to invest either in equity, debt or both. RRSF-Equity option is a growth oriented aggressive equity fund which adopts a multi cap strategy to capitalize on market trends especially in volatile markets. Month-end AUM as on 28th February 2018: Rs. 3294.62 Crs, No. of Folios as on 28th February 2018: 307976

Reliance Regular Savings Fund - Balanced OptionAsset Allocation Pattern: Equity and Equity Related securities-50%-75%, Debt & Money Mar-ket instruments-25%-50%, Primary Investment Pattern: The primary investment objective of this option is to generate consistent return and appreciation of capital by investing in a mix of securities comprising of equity, equity related instruments and fixed income instruments., Invest-ment Strategy: The Scheme will, under normal market conditions, invest its net assets primarily in Equity and equity related instruments and balance in fixed income securities, money market instruments and cash equivalents. For investments in equity and equity related securities, the Fund would identify companies for investment, based on the following criteria amongst others: a. Sound Management b. Good track record of the company c. Potential for future growth. Industry economic scenario, Differentiation: The fund focuses on reducing volatility of returns by increas-ing / decreasing equity exposure based on the market outlook and using a core debt portfolio to do the rebalancing The fund can invest 50%-75% of its corpus in equity & 25%-50% in debt related instruments. Month-end AUM as on 28th February 2018: Rs. 12386.89 Crs, No. of Folios as on 28th February 2018: 353876

Reliance Mid & Small Cap Fund (Formerly, Reliance Long Term Equity Fund)Asset Allocation Pattern: Equity and equity related securities 80% -100%, Debt instruments and money market instruments (including investments in securitised debt) 0%-20%, Primary Invest-ment Pattern: The primary investment objective of the scheme is to seek to generate long term capital appreciation & provide long-term growth opportunities by investing in a portfolio constitut-ed of equity & equity related securities and Derivatives and the secondary objective is to generate consistent returns by investing in debt and money market securities., Investment Strategy: The investment strategy of the Scheme is to build and maintain a diversified portfolio of equity stocks that have the potential to appreciate. The aim will be to build a portfolio that adequately reflects a cross-section of the growth areas of the economy from time to time. While the portfolio focuses primarily on a buy and hold strategy at most times, it will balance the same with a rational ap-proach to selling when the valuations become too demanding even in the face of reasonable growth prospects in the long run. Differentiation: The fund is an open ended diversified equity scheme which focuses on small & mid cap stocks with long term investment horizon. Month-end AUM as on 28th February 2018: Rs. 3320.24 Crs, No. of Folios as on 28th February 2018: 341208

Reliance NRI Equity FundAsset Allocation Pattern: Equity & Equity Related Instruments# -65-100% & Debt Instruments & Money Market Instruments* 0-35% (*including upto 35% of the corpus in securitised Debt, # primarily drawn from the S&P BSE 200), Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns by investing in equity and equity related instruments primarily drawn from the Companies in the S&P BSE 200, Investment Strategy: The fund will, in general invest a significant part of its corpus in equities however pending invest-ments in equities, the surplus amount of the fund should be invested in debt and money market instruments. Also whenever good investment opportunity are not available, or the equity market is not likely to perform in the view of the Fund manager the Fund will reduce its exposure to equity and during that period the surplus asset of the Fund shall be invested in debt and money market instruments. The fund will in general follow a strategy of higher portfolio reshuffling with a view to capture the short term movements in the markets as well as to encash the opportunity arising due to various events, Differentiation: The fund is an ideal & exclusive offering for NRI investors who are seeking exposure to equity to participate in the India story & the Indian markets in the diversified equity space. The fund primarily aims to invest in top 200 companies by market capi-talization. Month-end AUM as on 28th February 2018: Rs. 88.94 Crs, No. of Folios as on 28th February 2018: 1831

Reliance Small Cap FundAsset Allocation Pattern: Equity & Equity Related Securities of small cap companies including derivatives - 65% - 100%, Equity & Equity Related Securites of any other companies including derivatives - 0% - 35%, debt & money market securities (including investments in securitized debt upto 30%) - 0% - 35%, Primary Investment Pattern: The primary investment objective of the scheme is to generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities, Investment Strategy: The investment strategy of the Scheme is to build and maintain a diversified portfolio of equity stocks that have the potential to appreciate. The aim will be to build a portfolio that adequately reflects a cross-section of the growth areas of the economy from time to time. The fund shall primarily focus on the small cap stocks. However depending on the views of the fund manager and market conditions in the interest of the investors, the fund manager will have the flexibility to select stocks which he feels are best suited to achieve the stated objective. The fund will have the flexibility to invest predominantly in a range of Small Cap companies/ stocks with an objective to maximize the returns, at the same time trying to minimize the risk by reasonable diversification. Differen-tiation: The fund shall predominantly invest in small cap companies/stocks with an objective to maximize the returns and at the same time trying to minimize the risk by reasonable diversifica-tion. Small Cap stocks for the purpose of the Fund, are stocks whose market capitalization is in between the highest and lowest market capitalization of companies on S&P BSE Small Cap at the time of investment, Month-end AUM as on 28th February 2018: Rs. 6612.86 Crs, No. of Folios as on 28th February 2018: 874872

Reliance Index Fund - Nifty PlanAsset Allocation Pattern: Equities and equity related securities covered by Nifty50 - 95% - 100%, Cash/CBLO/Repo & Reverse Repo & Money Market instruments (CPs, CDs, Tbills, Mibor linked instruments with daily Put/Call options & overnight Interest rate Reset Linked Instruments)but ex-cluding Subscription and Redemption Cash Flow# - 0% - 5%. (# Subscription Cash Flow is the subscription money in transit before deployment and Redemption Cash Flow is the money kept aside for meeting redemptions.) Primary Investment Pattern: The primary investment objective

of the scheme is to replicate the composition of the NIFTY 50, with a view to generate returns that are commensurate with the performance of the NIFTY 50, subject to tracking errors. Investment Strategy: The Scheme will be managed passively with investments in stocks in a proportion that it is as close as possible to the weightages of these stocks in the Nifty 50. The investment strategy would revolve around reducing the tracking error to the least possible through rebalancing of the portfolio, taking into account the change in weights of stocks in the index as well as the incremental collections/redemptions from the Scheme. The fund will, in general invest a significant part of its corpus in equities however pending invest-ments in equities; the surplus amount of the fund should be invested in Cash/CBLO/Repo & Reverse Repo & Money Market instruments. Also whenever good investment opportunity are not available, or the equity market is not likely to perform in the view of the Fund manager the Fund will reduce its exposure to equity and during that period the surplus asset of the Fund shall be invested in Cash/CBLO/Repo & Reverse Repo & Money Market instruments. However there is no assurance that all such buying and selling activities would necessarily result in benefit for the Fund. The allocation between money market instruments and equity will be decided based upon the prevailing market conditions, macroeconomic environment, and the performance of the corporate sector, the equity market and other considerations. At time such churning could lead to higher brokerage and transaction costs. Differentiation: The fund is an open ended scheme which will be passively managed with investments in stocks in a proportion that it is as close as possible to the weightages of these stocks in Nifty 50. Month-end AUM as on 28th February 2018: Rs. 139.35 Crs, No. of Folios as on 28th February 2018: 7708

Reliance Index Fund - Sensex PlanAsset Allocation Pattern: Equities and equity related securities covered by S&P BSE Sensex - 95% - 100%, Cash/CBLO/Repo & Reverse Repo & Money Market instruments (CPs, CDs, Tbills, Mibor linked instruments with daily Put/Call options & overnight Interest rate Reset Linked Instruments)but excluding Subscription and Redemption Cash Flow# - 0% - 5%. (# Subscription Cash Flow is the subscription money in transit before deployment and Redemp-tion Cash Flow is the money kept aside for meeting redemptions.) Primary Investment Pat-tern: The primary investment objective of the scheme is to replicate the composition of the S&P BSE Sensex, with a view to generate returns that are commensurate with the perfor-mance of the S&P BSE Sensex, subject to tracking errors. Investment Strategy: The Scheme will be managed passively with investments in stocks in a proportion that it is as close as possible to the weightages of these stocks in the S&P BSE Sensex. The investment strategy would revolve around reducing the tracking error to the least possible through rebalancing of the portfolio, taking into account the change in weights of stocks in the index as well as the incremental collections/redemptions from the Scheme. It is proposed to manage the risks by placing limit orders for basket trades and other trades, proactive follow-up with the service providers for daily change in weights in the S&P BSE Sensex as well as monitor daily inflows and outflows to and from the Fund closely. While these measures are expected to mitigate the above risks to a large extent, there can be no assurance that these risks would be com-pletely eliminated. The fund will, in general invest a significant part of its corpus in equities however pending investments in equities; the surplus amount of the fund should be invested in Cash/CBLO/Repo & Reverse Repo & Money Market instruments. Also whenever good investment opportunity are not available, or the equity market is not likely to perform in the view of the Fund manager the Fund will reduce its exposure to equity and during that period the surplus asset of the Fund shall be invested in Cash/CBLO/Repo & Reverse Repo & Money Market instruments. However there is no assurance that all such buying and selling activi-ties would necessarily result in benefit for the Fund. The allocation between money market instruments and equity will be decided based upon the prevailing market conditions, macro economic environment, and the performance of the corporate sector, the equity market and other considerations. At time such churning could lead to higher brokerage and transaction costs. Differentiation: The fund is an open ended scheme which will be passively managed with investments in stocks in a proportion that it is as close as possible to the weightages of these stocks in the S&P BSE Sensex. Month-end AUM as on 28th February 2018: Rs. 5.03 Crs, No. of Folios as on 28th February 2018: 883

Reliance Arbitrage Advantage FundAsset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Equities and equity related instruments, Derivatives including index futures, stock futures, index options, & stock options, etc. – 65%-90%, Debt and Money market instru-ments (including investments in securitized debt upto 30%) -10%-35%. When adequate ar-bitrage opportunities are not available in the Derivative and Equity markets, the anticipated alternate asset allocation on defensive considerations would be: Equities and equity related instruments, Derivatives including index futures, stock futures, index options, & stock options, etc. (Only arbitrage opportunities) -0%-65%, Debt and Money market instruments(including investments in securitized debt upto 30%) -35%-100%, Primary Investment Pattern: The investment objective of the scheme is to generate income by taking advantage of the arbi-trage opportunities that potentially exists between cash and derivative market and within the derivative segment along with investments in debt securities & money market instruments, Investment Strategy: The scheme will seek to achieve its investment objective primarily by employing various strategies which seek to exploit available arbitrage opportunities in mar-kets. The stock selection strategy would be a blend of top down and bottom up approach without any sector or market capitalization bias. All companies selected will be analyzed taking into account the business fundamentals like nature and stability of business, pros-pects of future growth and scalability, financial discipline and returns, valuations in relation to broad market and expected growth in earnings, the company’s financial strength and track record. Differentiation: The fund is an open ended arbitrage scheme which will seek to exploit available arbitrage opportunities in the markets to achieve its investment objective. Month-end AUM as on 28th February 2018: Rs. 7957.32 Crs, No. of Folios as on 28th February 2018: 54194

Reliance Japan Equity Fund

Asset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Equity and Equity related Instruments listed on the recognized stock exchanges of Japan* – 80%-100%, Fixed income securities including money market instruments, cash and equivalent, Treasury bills and fixed deposits of India.- 0%-20%, *Includes ADRs/GDRs issued by Indian companies or foreign companies, equity of overseas companies listed on recognized stock exchanges of Japan, units/securities issued by overseas mutual funds or unit trusts which are registered with Japan regulators and overseas exchange traded funds

(ETFs) which invest in the securities as permitted by SEBI/RBI from time to time. The fund will also invest in initial and follow on public offerings to be listed at recognized stock exchanges of Japan. (The Scheme will not invest in securitized debt & the scheme will not participate in short selling and securities lending). Primary Investment Pattern: The primary investment objective of Reliance Japan Equity Fund is to provide long term capital appreciation to inves-tors by primarily investing in equity and equity related securities of companies listed on the recognized stock exchanges of of Japan and the secondary objective is to generate consist-ent returns by investing in debt and money market securities of India. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved. Investment Strategy: The investment strategy of the fund would be to create a portfolio of companies which are leaders or potential leaders in the growth oriented sectors of Japan and are listed on recognized stock exchanges of Japan. The investment philosophy would be a blend of top down and bottom up approach without any extreme sector bias. The sec-tors would be mainly assessed on their growth potential in the mid and long term. On the other hand, companies within the selected sectors would be analyzed taking into account the business fundamentals like nature and stability of business, potential for future growth and scalability, sales volume, earning performance, corporate image, company’s financial strength and track record etc. The fund will endeavor to follow a disciplined investment approach and the portfolio will be reviewed & rebalanced at regular intervals, whenever deemed necessary. Differentiation: The fund will endeavor to invest in companies which are leaders or potential leaders in the growth oriented sectors of Japan and are listed on recog-nized stock exchanges of Japan. The fund will provide exposure to the growth story of Japan Economy along with the benefit of country diversification to the investor. Month-end AUM as on 28th February 2018: Rs. 13.06 crs, No. of Folios as on 28th February 2018: 1275

Reliance Retirement Fund - Wealth Creation SchemeAsset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Diversified Equity and equity related securities – 65%-100%, Debt and Money mar-ket securities - 0%-35%. Primary Investment Pattern: The scheme endeavors to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instru-ments and fixed income securities. Investment Strategy: For investments in equity and equity related securities, the Wealth Creation Scheme would identify companies for invest-ment, based on the following criteria amongst others: a. Sound Management b. Good track record of the company c. Potential for future growth d. Industry economic scenario Besides, it is expected that a portion of the funds will also be invested in initial offerings and other primary market offerings. Risk will be managed through adequate diversification by spread-ing investments over a wide range of companies across sectors and market capitalization. For investments in Debt Securities, income may be generated through the receipt of coupon payments, the amortization of the discounts on debt instruments or the purchase and sale of securities in the underlying portfolio. The Fund Manager may adopt a different strategy con-sidering the market scenario, opportunities available in different sectors and market capi-talization. Differentiation: Wealth creation scheme is one of the plans of Reliance Retirement Fund which aims to provide long term growth & capital appreciation by investing primarily in Diversified Equity and equity related instruments and balance in fixed income securities, money market instruments and cash equivalents, so as to help the investor in achieving the retirement goals. Month-end AUM as on 28th February 2018: Rs. 1157.69 Crs, No. of Folios as on 28th February 2018: 91104

Reliance Equity Savings FundAsset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Equities and equity related instruments: 65 – 90% of which: - Derivatives including index futures, stock futures, index options, & stock options, etc. backed by underlying eq-uity (only arbitrage opportunities)*: 25 -70%, Unhedged Equity Position#: 20 -40%, Debt and Money market instruments** (including investments in securitized debt & margin for deriva-tives): 10 – 35% When adequate arbitrage opportunities are not available in the Derivative and Equity markets, the anticipated alternate asset allocation on defensive considerations would be: Equities and equity related instruments: 20 – 65% of which: - Derivatives includ-ing index futures, stock futures, index options, & stock options, etc. backed by underlying equity (only arbitrage opportunities)*: 0 -45%, Unhedged Equity Position#: 20 -40%, Debt and Money market instruments** (including investments in securitized debt & margin for deriva-tives): 35– 80%. #Denote the directional equity exposure which is not hedged. *This denotes only hedged equity positions by investing in arbitrage opportunities in the equity market. The fund manager in the above case can therefore take exposure to equivalent stock/ index futures & create completely covered positions. The margin money deployed on these posi-tions would be included in Money Market category. ** including securitized debt up to 30%. Primary Investment Pattern: The primary investment objective of this fund is to generate income and capital appreciation by investing in arbitrage opportunities & pure equity invest-ments along with investments in debt securities & money market instruments. However, there can be no assurance or guarantee that the investment objective of the scheme will be achieved. Investment Strategy: The scheme will seek to achieve its investment objective primarily by employing various strategies which seek to exploit available arbitrage opportu-nities in markets along with pure equity investments. The stock selection strategy would be a blend of top down and bottom up approach without any sector or market capitalization bias. All companies selected will be analyzed taking into account the business fundamentals like nature and stability of business, prospects of future growth and scalability, financial dis-cipline and returns, valuations in relation to broad market and expected growth in earnings, the company’s financial strength and track record. The percentage allocation to un-hedged equity will be done on the basis of an internal model with Price/ Book Value of Nifty 50 as the primary factor for deciding the allocation. This model will proportionately re-adjust the unhedged Equity Position weight within the asset allocation limits stated above based on over/under valuation of the equity markets. Differentiation: The fund invests predominantly invests in arbitrage opportunities along with moderate exposure to unhedged equity expo-sure. Month-end AUM as on 28th February 2018: Rs. 2435.2 Crs, No. of Folios as on 28th February 2018: 40408

Reliance US Equity Opportunities Fund:Asset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Equity and Equity related Instruments listed on the recognized stock exchanges of US – 80%-100%, Fixed income securities of India as well as U.S including money mar-ket instruments, cash and equivalent, Treasury bills and fixed deposits.- 0%-20%. Primary

Investment Pattern: The primary investment objective of Reliance US Equity Opportunities Fund is to provide long term capital appreciation to investors by primarily investing in eq-uity and equity related securities of companies listed on the recognized stock exchanges of US and the secondary objective is to generate consistent returns by investing in debt and money market securities of India. Investment Strategy: The investment strategy of the fund would be to create a portfolio of high quality – high growth stocks listed on recognized stock exchanges of US. The investment philosophy would be a blend of top down and bot-tom up approach without any sector or market capitalization bias. All companies selected will be analyzed taking into account the business fundamentals like nature and stability of business, prospects of future growth and scalability, financial discipline and returns, valua-tions in relation to broad market and expected growth in earnings, the company’s financial strength and track record. Differentiation: The fund will provide exposure to US securities to an investor which will provide him with country diversification. Month-end AUM as on 28th February 2018: Rs. 12.83 Crs, No. of Folios as on 28th February 2018: 2117

Reliance Liquid Fund-Treasury PlanAsset Allocation Pattern: Call Money/Cash/Repo and Reverse Repo - 0 - 50%, Money Mar-ket Instruments (Mibor linked instruments,) CPs, T-Bills, Cds and/or other Short Term papers) 0 - 100%. Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Ac-cordingly, investments shall predominantly be made in Debt and Money Market Instruments Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and prof-itability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversifica-tion and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: This fund be-longs to the family of Liquid Funds with the objective to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments are predominantly be made in Debt and Money Market Instruments. It will be a mix portfolio with a varying allocation to the above mentioned instruments with a view to maximize returns while ensur-ing adequate liquidity. The average maturity of the portfolio will be in the range of 25- 50 days under normal market conditions. Fund is suitable for short term cash management & is suitable investors with investment horizon from1 day to 1 month. Month end AUM as on 28th February 2018: Rs. 29241.76 Crs, No. of Folios as on 28th February 2018: 130053

Reliance Liquid Fund-Cash PlanAsset Allocation Pattern: Money Market Instruments - 80% - 100% Debt Instruments (Cor-porate Debt, Financial Institutions & Banking Sector Bonds, Public Sector Bonds, Government Guaranteed Bonds and related instruments) - 0% - 20%. Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments, Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: This fund also belongs to the family of Liquid Funds with an objective to generate optimal returns consistent with moderate levels of risk and high liquid-ity. Accordingly investments are predominantly be made in Debt and money market instru-ments. It will be a mix portfolio with a varying allocation to the above mentioned instruments with a view to maximize returns while ensuring adequate liquidity. Month end AUM as on 28th February 2018: Rs. 10766.12 Crs, No. of Folios as on 28th February 2018: 53799

Reliance Liquidity FundAsset Allocation Pattern: Repo and Reverse Repo 0 - 35%, Money Market Instruments (Mi-bor linked instruments, CPs, T-Bills, CDs) and/or other Short Term debt instruments (Floating Rate Notes, Short Tenor NCDs, PTCs) and/or Less than 1 year maturity Gsecs- 65-100% Secu-ritised debt upto 40% of the corpus. Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk and high liquidity. Accordingly, investments shall predominantly be made in Debt and Mon-ey Market Instruments, Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The invest-ments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentia-tion: The fund belongs to the family of Liquid Funds. The portfolio would invest in money market instruments like Certificate of Deposits (CD), Commercial Papers (CP) and other short term instruments issued by banks, financial institutions and corporate. The fund manager would ideally seek to maintain an exposure of less than 15 % in instruments issued by Non-Banking Financial Companies (NBFC) under normal circumstances. The average maturity of the portfolio would be in the range if 25-50 days. Month end AUM as on 28th February 2018: Rs. 6194.23 Crs, No. of Folios as on 28th February 2018: 9443

Reliance Floating Rate Fund – Short Term Plan (Formerly Reliance Floating Rate Fund)Asset Allocation Pattern: Money market instruments and Floating Rate Debt Securities (in-cluding floating rate securitised debt & Fixed rate debt instruments swapped for Floating Rate returns) with tenure exceeding 3 months upto a maturity of 3 years 25% - 100%. Fixed Rate Debt Securities (including securitized debt, Money Market Instruments & Floating Rate Debt Instruments swapped for fixed rate returns) 0% - 75% Securitised debt will a part of

debt securities upto 50% of the corpus. Primary Investment Pattern: The primary invest-ment objective of the scheme is to generate regular income through investment in a portfolio comprising substantially of Floating Rate Debt Securities (including floating rate securitised debt, Money Market Instruments and Fixed Rate Debt Instruments swapped for floating rate returns) The scheme shall also invest in Fixed Rate Debt Securities (including fixed rate se-curitized debt, Money Market Instruments and Floating Rate Debt Instruments swapped for fixed returns). Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, pur-chasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various pa-rameters of the Indian economy, as well as developments in global markets. Differentiation: The portfolio would predominantly invest in HFC/NBFC/Financial Institutions/Private Sector Corporate & Government Securities. The rating profile of the portfolio would be 100% AAA. The ideal investment horizon for the fund would be around 12-36 Months and is ideal for investors who are looking for high accrual with low volatility by investing in a portfolio of debt and money market. Month end AUM as on 28th February 2018: Rs. 8614.75 Crs., No. of Folios as on 28th February 2018: 5131

Reliance Money Manager FundAsset Allocation Pattern: Debt Instruments* including Government Securities, Corporate Debt, Other debt instruments and Money Market Instruments with average maturity less than equal to 12 months- 0-100%, Debt Instruments* including Government Securities, Corporate Debt and other debt Instruments with average maturity greater than 12 months- 0-50% *Securitized debt upto 60% of the corpus., Primary Investment Pattern: The invest-ment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities., Investment Strategy : The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: This fund is managed as a low maturity ultra short term fund which invests predominantly in Money Market Assets comprising of CPs, CDs, T bills and Cash & Cash equivalents and Corporate bonds of up to one year. The fund manager endeavors to provide a moderate yield pick up over the liquid funds, with relatively lower re-investment risks. The portfolio duration would be maintained between 250-350 days. The ideal investment horizon for the fund would be around 3 months – 6 months. Month end AUM as on 28th February 2018: Rs. 14825.28 Crs, No. of Folios as on 28th February 2018: 201408

Reliance Medium Term FundAsset Allocation Pattern: Money Market Instruments/Short Term debt Instruments/Floating Rate Notes with maturity/interest rate reset period not exceeding 3 months 0%- 80%. Money Market Instruments (CPs, T-Bills, CDs) and/or other Short Term debt instruments (Floating Rate Notes, Short Tenor NCDs, Securitized debt#) and any other instrument with duration of more than 3 months but not exceeding 3 years 20% - 100%#Securitized debt upto 80% of the corpus., Primary Investment Pattern: The primary investment objective of the scheme is to generate regular income in order to make regular dividend payments to unit holders and the secondary objective is growth of capital. Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income port-folios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. Income may be generated through the receipt of coupon payments, the amortisation of the discount on debt instruments, receipt of dividends or the purchase and sale of securities in the underlying portfolio. The Scheme will, under normal market conditions, invest its net assets primarily in fixed income securities, money market instruments, cash and cash equivalents, while at the same time maintaining a small exposure to the equity market. The fund manage-ment team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation:A longer maturity variant Ultra Short Term fund, which invests in Money Mar-ket and debt instruments, with higher allocation to CDs, PSU bonds and AAA HFI (housing finance) assets. This ultra short term fund endeavors to give relatively better returns to liquid funds with moderate volatility over an investment horizon of 3- 12 months. Portfolio duration between 300-500 days depending upon the interest rate scenario. Month end AUM as on 28th February 2018: Rs.11326.1 Crs , No. of Folios as on 28th February 2018: 18008

Reliance Short Term FundAsset Allocation Pattern: Debt & Money market instruments with a duration upto 3 year 65% - 100% Debt instruments with a duration above 3 years and upto 5 years 0% - 35%. The scheme will not invest in securitized debt. The scheme also intends to invest in foreign debt securities which can be upto 25% of the corpus. The investment in these securities would be as permitted by SEBI and in accordance with the Regulations then prevailing. The scheme would have a maximum weighted average duration between 0.75 - 2.75 years. Primary Investment Pattern: The primary investment objective of the scheme is to generate stable returns for investors with a short term investment horizon by investing in fixed income securi-ties of a short term maturity. Investment Strategy: Reliance Short Term Fund is positioned as an intermediate product positioned between the long term Income Fund (Reliance Income Fund) and the very short term liquid Fund (Reliance Liquid Fund). Accordingly, investments will be made mainly in short to medium term maturity debt instruments in line with the invest-ment objective of the Scheme of achieving stable returns. The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance

between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return, balance for management of the fixed income port-folios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. Differentiation: The fund belongs to the family of income funds. It is suitable for investors with short to medium term investment horizon of 12 – 36 months and medium appetite for risk. The fund predomi-nantly invests in various debt instruments like Government and Corporate bonds, Money Market Instruments etc . The scheme would have a maximum weighted average duration between 0.75 - 2.75 years. Month end AUM as on 28th February 2018: Rs. 12024.97 Crs, No. of Folios as on 28th February 2018: 15284

Reliance Regular Savings Fund- Debt OptionAsset Allocation Pattern: Debt Instruments (including securitised debt) with maturity of more than 1 year - 65-100% Money Market Instruments (including Cash/ Call Money & Reverse Repo) and Debentures with maturity of less than 1 year - 0-35% Units issued by REITs and InvITs – 0-10% (Securitised debt will be a part of the debt securities, upto 25% of the corpus) Primary Investment Pattern: The primary investment objective of this option is to generate optimal returns consistent with a moderate level of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments will predominantly be made in Debt & Money Market Instruments. Investment Strategy : The Fund Management Team will endeavor to maintain a consistent performance in the Scheme by maintaining a bal-ance between safety, liquidity & profitability aspects of various investments. The Scheme will, under normal market conditions, invest its net assets in fixed income securities like Central Government securities, Treasury Bills, Corporate Bonds, and CBLO etc. The scheme may also invest its net assets in Derivatives like Interest rate swaps, Forward Rate agreements and other such instruments as permitted by RBI / SEBI. To reduce the volatility, the fund will keep a low government security exposure. The exposure in government securities will generally not exceed 50% of the corpus of the scheme. Some of the Debt Instruments may not be listed and investments will be made through public offer or private placement or secondary market open fund. The average maturity of the debt portfolio may normally be maintained between 1 and 7 years. Differentiation: This fund also belongs to the family of income funds. This fund is positioned towards the retail/HNI/SME kind of fixed income investors. The fund basically seeks to benefit from any opportunity available in the debt market space at different points in time. Therefore, this fund invests based on short to medium term interest rate view and shape of the yield curve. It typically maintains a moderate duration of upto 2 years and invests in well researched credits/structures for yield enhancement. The fund is intended towards ensuring that the investors have a healthy holding period return over 3 years. Month end AUM as on 28th February 2018: Rs. 10605.62 Crs, No. of Folios as on 28th February 2018: 89484

Reliance Income FundAsset Allocation Pattern: Debt Instruments - 50 - 100%, Money Market Instruments - 0 - 50% The Fund will normally endeavor to keep Securitised Debt upto 40% of the corpus, Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns consistent with moderate level of risk. This income may be complemented by capi-tal appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt & Money Market Instruments. Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income port-folios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund manage-ment team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: This fund belongs to the family of income funds. It is suitable for investors with medium to longer term investment horizon of 36 months and more and medium to high appetite for risk. Income funds mainly invest in debt securities of varying maturity periods, i.e. both in short term and long term debt instruments like Government and Corporate bonds, Securitized Debt, Money Market Instruments etc, depending on the fund manager’s view of the market. Month end AUM as on 28th February 2018:: Rs.772.48 Crs, No. of Folios as on 28th February 2018: 5136

Reliance Dynamic Bond Fund (Formerly Reliance NRI Income Fund)Asset Allocation Pattern: Debt instruments: 0%-100%; Units issued by REITs and InvITs – 0-10%. Investment in securitised debt upto 40% may be undertaken .Primary Investment Pattern: The primary investment objective of the scheme is to generate optimal returns consistent with moderate levels of risk. This income may be complemented by capital appreciation of the portfolio. Accordingly, investments shall predominantly be made in Debt and Money Market Instruments. Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: The fund has a dynamic asset allocation structure enabling complete flexibility in investment in debt instruments which may include investments in corporate and PSU bonds, Government Securities, money market instruments, securitized debt etc of varying tenors and the quantum of investments in any of the above mentioned categories is also flexible. Therefore, the fund intends to take medium term calls on interest rates and take significant bets on the same. A significant portion of the fund’s pie shall be invested in higher rate corporate bonds, money market instruments and gilts. Credit call, if at all, will be taken on low duration securities. Month end AUM as on 28th February 2018: Rs. 3198.1 Crs, No. of Folios as on 28th February 2018: 13805

Reliance Gilt Securities FundAsset Allocation Pattern: Gilts - 70 - 100%, Money Market Instruments 0 - 30% Primary

Investment Pattern: The primary investment objective of the scheme is to generate optimal credit risk-free returns by investing in a portfolio of securities issued and guaranteed by the Central Government and State Government Investment Strategy : The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Differentiation: This fund belongs to the family of Gilt Funds. It predomi-nantly invests in a portfolio comprising of securities issued and guaranteed by the Central Government and State Government, hence has a higher credit profile. It has a very low credit risk profile. However, it can run extremely long durations and therefore, have a higher inter-est rate risk profile. It is suitable for investors with an investment horizon of 36 months who have a positive view on falling interest rates. Month end AUM as on 28th February 2018: Rs. 1005.81 Crs, No. of Folios as on 28th February 2018: 5095

Reliance Corporate Bond FundAsset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Instruments Indicative Allocation (% of total assets) Investments in Corporate Bonds: 80% -100%; Money market instruments including but not limited to CDs, CPs, T-Bills, CBLO, Repo/ Reverse Repo (including repo in corporate b o n d s ), Liquid schemes.,and investments in debt instruments issued by central and state governments: 0% - 20%; Units issued by REITs and InvITs – 0-10%. The Fund Management Team will endeavor to maintain a consistent performance in the Scheme by maintaining a balance between safety, liquidity & profitability aspects of various investments. Primary Investment Pattern: To generate income through investments in a range of debt and money market instruments of various maturities with a view to maximizing income while maintaining the optimum balance of yield, safety and liquidity .The scheme would focus its investments predominantly in cor-porate bonds of various maturities and across ratings for the purpose of achieving regular income and capital appreciation. Investment Strategy: The Fund Management Team will endeavor to maintain a consistent performance in the Scheme by maintaining a balance between safety, liquidity & profitability aspects of various investments. The scheme under normal market conditions will primarily invests into debt and money market instruments issued by various body corporate, along with other fixed income securities including but not limited to Central and state government securities, T-Bills, Usance Bills, fixed deposits, CBLOs, Repo (Repos including repo in corporate bonds and other cash and cash equivalent instruments. The scheme would focus its investments predominantly in corporate bonds of various maturities and across rating for the purpose of achieving regular income and capi-tal appreciation. The scheme may also invest its net assets in Derivatives like Interest rate swaps, Forward Rate agreements and other such instruments as permitted by RBI / SEBI.. Some of the Debt Instruments may not be listed and investments will be made through pub-lic offer or private placement or secondary market open fund. The duration of the portfolio may normally be maintained between 2 to 7 years and it may change from time to time. Differentiation: This fund also belongs to the family of income funds. This fund is positioned towards the retail/HNI/SME kind of fixed income investors. The fund basically seeks to benefit from any opportunity available in the debt market space at different points in time. Therefore, this fund invests based on short to medium term interest rate view and shape of the yield curve. It typically maintains a moderate duration between 2 - 3.5 years and invests in well researched credits/structures for yield enhancement. The fund is intended towards ensuring that the investors have a healthy holding period return over 18 - 36 months. Month end AUM as on 28th February 2018: Rs. 8053.05 Crs, No. of Folios as on 28th February 2018: 30093

Reliance Monthly Income PlanAsset Allocation Pattern: Equity and Equity related Securities-0%-20%, Fixed Income Securi-ties (Debt & Money Market Instruments) 80%- 100% Units issued by REITs and InvITs – 0-10%. Securitised debt will be a part of debt Securities up to 25% of corpus. Primary Investment Pattern: The investment objective of the scheme endeavors is to provide capital apprecia-tion and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instruments and fixed income securities. Investment Strategy: The fund management team will endeavor to maintain a consistent performance in the scheme by maintaining a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The invest-ments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various pa-rameters of the Indian economy, as well as developments in global markets. Differentiation: This is a hybrid fund with a marginal allocation to equity which may go up to maximum 20%. This is ideal for a predominantly fixed income investor with a marginal appetite for equity risk. The investment horizon in this fund should typically be 3 years or more so that the long term benefit of having a marginal exposure to equity pays off. The fund intends to offer a predominantly fixed income investor the power of equity along with the stability of debt. Month end AUM as on 28th February 2018: Rs. 2179.88 Crs, No. of Folios as on 28th February 2018: 73466

Reliance Retirement Fund - Income Generation SchemeAsset Allocation Pattern: Under normal circumstances, the anticipated asset allocation would be: Diversified Equity and equity related securities– 5%-30%, Debt and Money mar-ket securities- 70%-95%. Primary Investment Pattern: The scheme endeavors to provide capital appreciation and consistent income to the investors which will be in line with their retirement goals by investing in a mix of securities comprising of equity, equity related instru-ments and fixed income securities. Investment Strategy: The fund management team will endeavor to maintain a consistent performance in Income Generation Scheme by maintain-ing a balance between safety, liquidity and profitability aspects of various investments. The fund manager will try to achieve an optimal risk return balance for management of the fixed income portfolios. The investments in debt instruments carry various risks like interest rate risk, liquidity risk, default risk, purchasing power risk etc. While they cannot be done away

with, they can be minimized by diversification and effective use of hedging techniques. The fund management team will take an active view of the interest rate movement by keeping a close watch on various parameters of the Indian economy, as well as developments in global markets. Investment views / decisions will be taken on the basis of the following parameters: 1. Prevailing interest rate scenario 2. Quality of the security / instrument 3. Ma-turity profile of the instrument 4. Liquidity of the security 5. Any other factors in the opinion of the fund management team The Fund Manager may adopt a different strategy considering the market scenario, opportunities available in different sectors and market capitalization. Differentiation: Income Generation Scheme is one of the plans of Reliance Retirement Fund which aims to provide consistent income along with long term growth by maintaining a bal-ance between safety, liquidity and profitability aspects of various investments so as to help the investor in achieving the retirement goals. Month end AUM as on 28th February 2018: Rs.208.35 Crs, No. of Folios as on 28th February 2018: 7024

Reliance Banking & PSU Debt FundAsset Allocation Pattern: Debt* and Money Market Instruments issued by Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs)- 80%- 100%, Debt* and Money Market Instruments issued by other Entities, Gilt securities & State Development Loans (SDLs)- 0%-20%. Including investments in securitized debt which may be upto 50% of the net assets of the scheme. Primary Investment Pattern: To generate income over short to medium term horizon through investments in debt and money market instruments of various maturities, consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs).However, there is no assur-ance that the investment objective of the Scheme will be achieved. Investment Strategy: The Fund Management Team will endeavor to maintain a consistent performance in the Scheme by maintaining a balance between safety, liquidity & profitability aspects of various invest-ments. The scheme, under normal conditions, will be managed with investments focused on debt and money market instruments consisting predominantly of securities issued by entities such as Banks, Public Sector undertakings and Public Financial Institutions (PFIs). The fund may also seek exposure in Gilt Securities and State Development Loans in order to maintain an optimum balance of yield, safety and liquidity. The fund will follow an active investment strategy within the overall mandate, depending on opportunities available at various points in time. Differentiation: This is a debt fund which will invest in various maturities, consisting predominantly of securities issued by entities such as Banks, Public Sector Undertakings (PSUs) and Public Financial Institutions (PFIs). Month end AUM as on 28th February 2018: Rs. 4767.36 Crs, No. of Folios as on 28th February 2018: 2324

Risk Mitigation Factors for all the above mentioned Schemes - Applicable for all the above mentioned Schemes. Robust measures implemented to mitigate Risk include, adop-tion of internal policies on investments and valuations, rigorous procedures for monitoring investment restrictions and effective implementation of various norms prescribed by SEBI from time to time.

RISK MITIGATION FACTOR / RISK CONTROL:

Since investing requires disciplined risk management, the AMC would incorporate adequate safeguards for controlling risks in the portfolio construction process. The risk control process in-volves reducing risks through portfolio diversification, taking care however not to dilute returns in the process. The AMC believes that this diversification would help achieve the desired level of consistency in returns.

The AMC aims to identify securities, which offer superior levels of yield at lower levels of risks. With the aim of controlling risks, rigorous in depth credit evaluation of the securities proposed to be invested in will be carried out by the investment team of the AMC.

The Scheme may also use various derivatives and hedging products from time to time, as would be available and permitted by RBI, in an attempt to protect the value of the portfolio and enhance Unitholders’ interest.

RISK PROFILE OF THE SCHEME:

Mutual Fund Units involve investment risks including the possible loss of principal. Please read the SID carefully for details on risk factors before investment. Scheme specific Risk Factors are summarized below:

Scheme specific Risk:

The scheme carries risk associated with investing in foreign equities, fixed income, derivatives and foreign securities, Bonds, securities Lending, Overseas Investments, Listing of units, repo in corporate bonds. Trading volumes and settlement periods may restrict liquidity in equity and debt investments.

Investment in Debt is subject to price, credit, and interest rate risk. The NAV of the Scheme may be affected, inter alia, by changes in currency, market conditions, interest rates, trading volumes, settlement periods and transfer procedures. The NAV may also be subject to risk associated with investment in derivatives, and foreign securities as may be permissible by the Scheme Information Document. Please refer Scheme Information Document for details.

PLANS & OPTIONS:

The fund has 2 schemes (Both have separate portfolio):

1. Wealth Creation Scheme

2. Income Generation Scheme

The above schemes have Growth Plan & Dividend Plans respectively as specified below:

• Growth Plan : Growth Option

• Dividend Plan : Dividend Payout Option

• Direct Plan - Growth Plan: Growth Option

• Direct Plan - Dividend Plan: Dividend Payout Option

APPLICABLE NET ASSET VALUE

A. Subscriptions/Purchases including switch – ins

The following cut-off timings shall be observed by a mutual fund in respect of purchase

of units of the scheme and their plans, and the following NAVs shall be applied for such purchase:

1. Purchases for an amount of Rs 2 lakh and above:

In respect of valid application received before 3.00 p.m. and funds for the entire amount of subscription / purchase as per the application are credited to the bank account of the scheme and are available for utilization before the cut-off time of 3.00 p.m., the closing NAV of the day shall be applicable;

In respect of valid application received after 3.00 p.m. and funds for the entire amount of subscription / purchase as per the application are credited to the bank account of the scheme and available for utilization before the cut-off time of the next business day, the closing NAV of the next business day shall be applicable;

Irrespective of the time of receipt of application, the closing NAV of the day on which the funds are credited to the bank account of the scheme and available for utilization before the cut-off time on any subsequent business day, the closing NAV of such subsequent business day shall be applicable.

2. For switch-in of Rs 2 lakh and above

a. Application for switch-in is received before the applicable cut-off time of 3.00 p.m

b. Funds for the entire amount of subscription/purchase as per the switch- in request are credited to the bank account of the respective switch-in schemes before the cut-off time;

c. The funds are available for utilization before the cut-off time, by the re- spective switch-in schemes

3. Purchases/switch-in for amount of less than Rs 2 lakh:

a. where the application is received upto 3.00 pm with a local cheque or demand draft payable at par at the place where it is received – closing NAV of the day of receipt of application;

b. where the application is received after 3.00 pm with a local cheque or demand draft payable at par at the place where it is received – closing NAV of the next business day and;

c. where the application is received with an outstation cheque or demand draft which is not payable on par at the place where it is received – clos ing NAV of day on which the cheque or demand draft is credited

Uniform process for aggregating split transactions for NAV applicability:

Pursuant to AMFI circular no. 135/BP/35/2012-13 dated February 18, 2013, the following practice of aggregating split transactions shall be followed and accordingly the closing NAV of the day on which the funds are available for utilization shall be applied where the aggre-gated amount of investments is Rs. 2 lacs and above:

a. All transactions received on the same day (as per Time stamp rule).

b. Transactions shall include purchases, additional purchases, excluding Switches, SIP/STP/ triggered transactions and various other eligible systematic transactions as mentioned in the para titled “Special Products” of respective SIDs

c. Aggregations shall be done on the basis of investor’s PAN. In case of joint holding, transactions with similar holding structures shall be aggregated.

d. All transactions shall be aggregated where investor holding pattern is same as stat-ed above, irrespective of whether the amount of the individual transaction is above or below Rs 2 lacs.

e. Only transactions in the same scheme shall be clubbed. This will include transactions at plan/ option level (Dividend, Growth, Direct).

f. Transactions in the name of minor, received through guardian should not be aggre-gated with the transaction in the name of same guardian.

Further, investors may please note that the said process is being followed in line with the directives specified by Association of Mutual Funds in India (“AMFI”). RMF / RNAM shall re-serve the right to change / modify any of the terms with respect to processing of transaction in line with directives specified by Securities & Exchange of Board of India and / or AMFI from time to time.

B. Redemptions including switch - outs

The following cut-off timings shall be observed by a mutual fund in respect of repurchase of units in its other schemes and their plans, and the following NAVs shall be applied for such repurchase:

a. where the application received upto 3.00 pm – closing NAV of the day of receipt o f application; and

b. an application received after 3.00 pm – closing NAV of the next business day.

MINIMUM APPLICATION AMOUNT

Rs 5,000 and in multiples of Rs. 500 thereafter

For SIP:

a) Monthly Frequency: Rs. 500 & in multiples of Re 500 thereafter for minimum 12 months

b) Quarterly Frequency: Rs. 1,500 & in multiples of Re.500 thereafter for minimum 4 quar-ters

c) Annual Frequency: Rs.5,000 & in multiples of Re.500 thereafter for minimum 2 years

Minimum Additional Investment: Rs. 1,000 (plus in the multiple of Rs.500)

MINIMUM REDEMPTION: Redemptions can be of minimum amount of Rs.100 or any number of units {(except for ‘Redemption by means of Reliance Any Time Money Card (“The Card”)}. Redemption by means of Reliance Any Time Money

Card (“The Card”) can be of any amount.

DESPATCH OF REPURCHASE (REDEMPTION) REQUEST

In terms of SEBI Regulations, the Mutual Fund shall despatch redemption proceeds within 10 Business Days of receiving a valid Redemption request. Interest at the rate of 15% per annum or such other rate as may be prescribed by SEBI from time to time, will be paid for delay in excess of 10 Business Days (11th day onwards) in case the redemption proceeds paid after 10 Business Days of the date of receipt of a valid redemption request. However, under normal circumstances, the Mutual Fund will endeavor to despatch the Redemption cheque / warrant or effect ECS Credit, as the case may be within 3 - 4 Business Days from the date of receipt of a valid redemption request.

PHYSICAL/DEMATERIALIZATION

The Unit holders are given an Option to hold the units by way of an Account Statement (Physi-cal form) or in Dematerialized (‘Demat’) form.

Mode of holding shall be clearly specified in the KIM cum application form. Unit holders holding the units in physical form will not be able to trade or transfer their units till such units are dematerialized.

Unit holders opting to hold the units in demat form must provide their Demat Account details in the specified section of the application form. The Unit holder intending to hold the units in Demat form are required to have a beneficiary account with the Depository Participant (DP) (registered with NSDL / CDSL as may be indicated by the Fund at the time of launch of the Plan) and will be required to indicate in the application the DP’s name, DP ID Number and the beneficiary account number of the applicant with the DP.

In case of subscription is through SIP the units will be allotted based on the applicable NAV as per the SID and will be credited to investors Demat account on weekly basis upon realiza-tion of funds. For e.g. Units will be credited to investors Demat account every Monday for realization status received in last week from Monday to Friday. This Option shall be available in accordance with the provision laid down in the respective schemes and in terms of guide-lines/ procedural requirements as laid by the Depositories (NSDL/CDSL) / Stock Exchanges (NSE / BSE) from time to time

In case, the Unit holder desires to hold the Units in a Dematerialized /Rematerialized form at a later date, the request for conversion of units held in non-demat form into Demat (elec-tronic) form or vice-versa should be submitted alongwith a Demat/Remat Request Form to their Depository Participants.

Units held in demat form will be transferable.

Switch, Auto Transfer and Auto SWP facilities shall not be available for Units held in Demat mode.

Demat option will not be available for Daily, Weekly & Fortnightly Dividend plans/ options and for subscription through Micro SIP

BENCHMARK

Wealth Creation Scheme: S&P BSE 100

Income Generation Scheme: Crisil Hybrid 85+15 - Conservative Index

The RNAM / Trustee reserve the right to change / modify the benchmark at the time of launch of the Scheme / Plan or anytime thereafter, for each plan of the Scheme, by issuing an ad-dendum.

DIVIDEND POLICY

The Mutual Fund is not guaranteeing or assuring any dividend/ bonus. The Mutual Fund is also not assuring that it will make periodical dividend/bonus distributions, though it has every intention of doing so. All dividend/bonus distributions are subject to the availability of distributable surplus of the Scheme.

FUND MANAGER (for both the schemes)

Mr. Sanjay Parekh (Managing the Scheme since Feb 2015)

Ms. Anju Chhajer (Managing the Scheme since Feb 2015)

Ms. Jahnvee Shah (Fund Manager for overseas investments) (Managing the Scheme since Feb 2015)

NAME OF THE TRUSTEE COMPANY

Reliance Capital Trustee Co. Limited

PERFORMANCE OF THE SCHEME:

Reliance Retirement Fund - Wealth Creation SchemeFund Manager: Sanjay Parekh, Anju Chhajer, Jahnvee ShahPerformance as on 28/02/2018Compounded Annualised Returns (%)

Period 1 Year 3 Years 5 Years Returns Since In-ception

Reliance Retirement Fund - Wealth Crea-tion Scheme - Growth 22.66 10.70 NA 10.61

S&P BSE 100 (TRI) 19.83 8.18 NA 8.94Inception Date: 11/02/2015

As the Scheme has completed more than 3 years but less than 5 years, the performance details of only since inception, 1 year & 3 years are provided herein.

Calculation assume that all payouts during the period have been re-invested in the units of the scheme at the then prevailing NAV. All the returns are of Growth Plan - Growth Option.

TRI - Total Returns Index reflects the returns on the index arising from (a) constituent stock price movements and (b) dividend receipts from constituent index stocks, thereby showing a true picture of returns.

In line with SEBI Circular no. SEBI/HO/IMD/DF3/CIR/P/2018/04 dated Jan 4, 2018, w.e.f. Feb 1, 2018 the performance of the Equity Scheme is Benchmarked to the Total Return Variant of the Index.

Past performance may or may not be sustained in future.

ADDITIONAL DISCLOSURES OF RELIANCE RETIREMENT FUND - WEALTH CREATION SCHEME

a. Top 10 holdings by issuers and sectors (As on 28/02/2018)

Top 10 Holdings Weightage (%)

HDFC Bank Limited 9.91

Grasim Industries Limited 7.41

Infosys Limited 5.85

Bharat Financial Inclusion Limited 5.49

ICICI Bank Limited 4.27

Larsen & Toubro Limited 4.16

Housing Development Finance Corporation Limited 3.85

Bharti Airtel Limited 3.33

Kotak Mahindra Bank Limited 3.21

Indian Oil Corporation Limited 2.72

Top 10 Sectors Allocation (%)

Financial Services 38.22

Energy 8.88

Automobile 7.79

Metals 7.50

Cement & Cement Products 7.41

IT 6.38

Construction 5.22

Pharma 3.35

Telecom 3.33

Media & Entertainment 3.31

Link to obtain schemes latest monthly portfolio holding - https://www.reliancemutual.com/investor-services/downloads/factsheets/

b. Portfolio Turnover Ratio : 0.74

C. Aggregate Investments in the scheme by Board of Directors / Fund Managers /Other Key Managerial Persons as on 15/03/2018

Particulars Aggregate Investments (Rs. in lakhs)

Board of Directors 7.71

Fund Managers Nil

Other Key Managerial Persons 9.81

-0.23-5.08

20.03

-1.23

-8.59

23.06

-15.00-10.00

-5.000.005.00

10.0015.0020.0025.00

FY 14-15* FY 15-16 FY 16-17

Perc

enta

ge (%

)

Absolute Returns for each financial year

Reliance Retirement Fund - Wealth Creation Scheme S&P BSE 100 (TRI)

*Since Inception: 11 Feb 2015

Reliance Retirement Fund - Income Generation SchemeFund Manager: Anju Chhajer, Sanjay Parekh & Jahnvee ShahPerformance as on 28/02/2018Compounded Annualised Returns (%)

Period 1 Year 3 Years 5 Years Returns Since Inception

Reliance Retirement Fund - Income Gen-eration - Growth 4.78 5.74 NA 5.75

CRISIL Hybrid 85+15 - Conservative Index 6.62 7.99 NA 9.52Inception Date: 11/02/2015

As the Scheme has completed more than 3 years but less than 5 years, the performance details of only since inception, 1 year & 3 years are provided herein.

Calculation assume that all payouts during the period have been re-invested in the units of the scheme at the then prevailing NAV. All the returns are of Growth Plan - Growth Option.

As communicated by CRISIL the existing nomenclature of indices viz; Crisil MIP Blended Fund Index has been changed to CRISIL Hybrid 85+15 - Conservative Index w.e.f. Jan 31, 2018. Hence, the Benchmark for Reliance Retirement Fund - Income Generation Scheme is now Crisil Hybrid 85+15 - Conservative Index. Past performance may or may not be sustained in future.

ADDITIONAL DISCLOSURES RELIANCE RETIREMENT FUND - INCOME GENERATION SCHEME

A. Top 10 holdings by issuers and sectors (As on 28/02/2018)

Top 10 Equity Holdings Weightage (%)

HDFC Bank Limited 2.40

Grasim Industries Limited 1.52

Bharat Financial Inclusion Limited 1.26

Infosys Limited 1.09

GE Power India Limited 1.01

Indian Oil Corporation Limited 0.91

ICICI Bank Limited 0.91

Housing Development Finance Corporation Limited 0.88

State Bank of India 0.81

Larsen & Toubro Limited 0.79

Top 10 Debt Holdings Weightage (%)

Government of India 69.63

State Government Securities 4.82

IDFC Bank Limited 2.40

Top 10 Equity Sectors Allocation (%)

Financial Services 7.60

Metals 1.56

Cement & Cement Products 1.52

Energy 1.40

IT 1.31

Industrial Manufacturing 1.11

Media & Entertainment 1.03

Pharma 0.97

Automobile 0.86

Construction 0.79

Top 10 Debt Sectors Weightage (%)

Government of India 74.45

Financial Services 2.40

Link to obtain schemes latest monthly portfolio holding - https://www.reliancemutual.com/investor-services/downloads/factsheets/b. Portfolio Turnover Ratio : 0.47

C. Aggregate Investments in the scheme by Board of Directors / Fund Managers /Other Key Managerial Persons as on 15/03/2018

Particulars Aggregate Investments (Rs. in lakhs)

Board of Directors Nil

Fund Managers Nil

Other Key Managerial Persons Nil

Note: Investment by Executive Director-cum-CEO is included in the aggregate investments by Board of Directors.

EXPENSES OF THE SCHEME

This section outlines the expenses that will be charged to the schemes.

A. LOAD STRUCTURE:

Type of Load Load chargeable (as %age of NAV)

Entry Nil

Exit i. 1% if redeemed/switched out from Reliance Retirement Fund before attainment of 60 years of age.

ii. Nil in case of Auto SWP/Redemption/Switch out from Reliance Retire-ment Fund on or after attainment of 60 years of age or after comple-tion of 5 year lock in period, whichever is later.

iii. Nil in case of switch made from Wealth Creation Scheme to Income Generation Scheme or vice versa,

iv. Nil in case of Auto Transfer from Wealth Creation Scheme to Income Generation Scheme

(Note: Age will be computed with reference to years completed on the date of transaction)Exit Load If charged to the scheme shall be credited to the scheme im-mediately net of Goods & Service tax, if any.

Inter scheme Switch

i.e. From Reliance Retirement Fund to any other scheme at the applicable exit loads in the respective schemes.

Inter Plan/Inter Option Switch

a) Switch of investments made with ARN code, from Other than Direct Plan to Direct Plan of a Scheme shall be subject to applicable exit load, if any.

b) No Exit Load shall be levied for switch of investments made without ARN code, from Other than Direct Plan to Direct Plan of the Scheme or vice versa. For instance, if the investor had originally invested in other than direct plan without an ARN code and later on had switched the investments to direct plan, no load shall be applicable.

The Fund allows unlimited switches from Wealth Creation Scheme to Income Generation Scheme or vice versa, within and after the lockin period, without any exit load subject to (point no a). However, investors should note that taxes (such as Capital Gains tax, STT, etc.) would be applicable for such transactions as per the prevailing Income Tax Laws.

In accordance with the requirements specified by the SEBI circular no. SEBI/IMD/CIR No.4/168230/09 dated June 30, 2009 no entry load will be charged for purchase / addi-tional purchase / switch-in accepted by the Fund with effect from August 01, 2009. Similarly, no entry load will be charged with respect to applications for registrations under systematic investment plans/ systematic transfer plans (including Salary AddVantage and Dividend Transfer Plan) accepted by the Fund with effect from August 01, 2009.The upfront commission on investment made by the investor, if any, shall be paid to the ARN Holder directly by the investor, based on the investor’s assessment of various factors includ-ing service rendered by the ARN Holder.Pursuant to SEBI circular No.SEBI/IMD/CIR No. 14/120784/08 dated March 18, 2008, with ef-fect from April 1, 2008, no entry load or exit load shall be charged in respect of bonus units and of units allotted on reinvestment of dividend.The investor is requested to check the prevailing load structure of the scheme before invest-ing.For any change in load structure RNAM will issue an addendum and display it on the website and on i.e. www.reliancemutual.com and Investor Service Centres.

B. ANNUAL SCHEME RECURRING EXPENSESThe AMC would update the current expense ratios on the website of the mutual fund at least three working days prior to the effective date of the change. Further Actual Expense ratio will be disclosed at the following link https://www.reliancemutual.com/Pages/Total-Expense-Ratio-of-Mutual-Fund-Schemes.aspxI. (a) Reliance Retirement Fund - Wealth Creation Scheme: The total expenses of the

scheme including the investment management and advisory fee shall not exceed the lim-its (i.e. % of the daily net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regula-tions, 1996. (i) On the first Rs. 100 crore - 2.50%; (ii) On the next Rs. 300 crore - 2.25%; (iii) On the next Rs. 300 crore - 2.00; (iv) Balance 1.75%;

0.05

3.01

11.51

0.86

5.88

13.07

0.00

2.00

4.00

6.00

8.00

10.00

12.00

14.00

FY 14-15* FY 15-16 FY 16-17

Perc

enta

ge (%

)

Absolute Returns for each financial year

Reliance Retirement Fund - Income Generation Scheme Crisil Hybrid 85+15 - Conservative Index

*Since Inception: 11 Feb 2015

Provided that such expenses shall be lesser by atleast 0.25% of the daily net assets out-standing in each financial year in respect of a scheme investing in bonds.

(b) Reliance Retirement Fund - Income Generation Scheme: The total expenses of the scheme including the investment management and advisory fee shall not exceed the lim-its (i.e. % of the daily net assets) stated in Regulation 52(6) of SEBI (Mutual Funds) Regula-tions, 1996. (i) On the first Rs. 100 crore - 2.25%; (ii) On the next Rs. 300 crore - 2.00%; (iii) On the next Rs. 300 crore - 1.75; (iv) Balance 1.50%;

llustration – Impact of Expense Ratio on the Returns

Value of Rs 1 lac on 12% annual returns in 1 year, considering 1% Expense Ratio

Amount Invested    100,000.00 NAV at the time of Investment              10.00 No of Units      10,000.00 Gross NAV at end of 1 year (assuming 12% annual return)              11.20 Expenses (assuming 1% Expense Ratio on average of opening and closing NAV)     0.11

Actual NAV at end of 1 year post expenses (assuming Expense Ratio as above)              11.09

Value of Investment at end of 1 year (Before Expenses)    112,000.00 Value of Investment at end of 1 year (After Expenses)    110,940.00

Note: Please note that the above is an approximate illustration of the impact of expense ratio on the returns, where the Gross NAV has been simply reduced to the extent of the expenses. In reality, the actual impact would vary depending on the path of returns over the period of consideration. Expenses will be charged on daily net assets.

Applicable to both the schemes:II. Mutual funds /AMCs may charge Goods & Service tax on investment and advisory fees

to the scheme in addition to the maximum limit as prescribed in regulation 52 of the SEBI Regulations.

Goods & Service tax on other than investment and advisory fees, if any, shall be borne by the scheme within the maximum limit as per regulation 52 of the SEBI Regulations.Direct Plan shall have a lower expense ratio excluding distribution expenses, commission, and no commission shall be paid from such plan.The above expenses are fungible within the overall maximum limit prescribed under SEBI (Mutual Funds) Regulations , which means there will be no internal sub-limits on expenses and AMC is free to allocate them within the overall TER.In addition to the limits specified in regulation 52(6), the following costs or expenses may be charged to the scheme as per new sub regulation 6A, namely-(a) Brokerage and Transaction costs incurred for the execution of trades may be capital-

ized to the extent of 0.12 per cent of the value of trades in case of cash market trans-actions and 0.05 per cent of the value of trades in case of derivatives transactions. Any payment towards brokerage and transaction costs incurred for the execution of trades, over and above the said 0.12 per cent and 0.05 per cent for cash market transactions and derivatives transactions respectively may be charged to the scheme within the maximum limit of Total Expense Ratio (TER) as prescribed under Regulation 52 of the SEBI (Mutual Funds) Regulations, 1996. Any expenditure in excess of the said prescribed limit (including brokerage and transaction costs, if any) shall be borne by the AMC or by the Trustee or Sponsors.;

(b) expenses not exceeding of 0.30 per cent of daily net assets, if the new inflows from such cities as specified by the Board from time to time are at least -

(i) 30 per cent of gross new inflows in the scheme, or;(ii) 15 per cent of the average assets under management (year to date) of the scheme,

whichever is higher: Provided that if inflows from such cities is less than the higher of sub-clause (i) or

sub- clause (ii), such expenses on daily net assets of the scheme shall be charged on proportionate basis:

Provided further that expenses charged under this clause shall be utilised for distribu-tion expenses incurred for bringing inflows from such cities.

Provided further that amount incurred as expense on account of inflows from such cities shall be credited back to the scheme in case the said inflows are redeemed within a period of one year from the date of investment;

(c) additional expenses, incurred towards different heads mentioned under subregula-tions (2) and (4) or such other basis as specified by SEBI from time to time, not exceed-ing 0.20 per cent of daily net assets of the scheme.

Mutual Funds/AMCs will annually set apart at least 2 basis points on daily net assets within the maximum limit as per regulation 52 of the SEBI Regulations for investor education and awareness initiatives.The recurring expenses incurred in excess of the limits specified by SEBI (MF) Regulations will be borne by the AMC or by the Trustee or the Sponsor.

LISTINGReliance Retirement Fund - being an open-ended scheme, the units are not listed on any stock exchange. However, the Trustee reserves the right to list the units as and when open-end Schemes are permitted to be listed under the Regulations, and if the Trustee considers it necessary in the interest of unitholders of the Scheme.

LIQUIDITYThe scheme provides repurchase /switch-out facility on all Business Days at NAV based pric-es after an initial lock-in-period of five years in the scheme from the date of allotment of units.

Lock - in Period: 5 years in the scheme from the date of allotment of units. (Note: 5 years lock in period is in respect to the scheme and not in respect to Wealth Creation Scheme or Income Generation Scheme. Auto transfer from Wealth Creation Scheme to Income Genera-tion Scheme is permitted during 5 year lock – in period).In terms of SEBI Regulations, the Mutual Fund shall despatch redemption proceeds within 10 Business Days of receiving a valid Redemption request. Interest at the rate of 15% per annum or such other rate as may be prescribed by SEBI from time to time, will be paid for delay in excess of 10 Business Days (11th day onwards) in case the redemption proceeds paid after 10 Business Days of the date of receipt of a valid redemption request. However, under normal circumstances, the Mutual Fund will endeavor to despatch the Redemption cheque / warrant or effect ECS Credit, as the case may be within 3 - 4 Business Days from the date of receipt of a valid redemption request.

WAIVER OF LOAD FOR DIRECT APPLICATIONS Pursuant to SEBI circular No. SEBI/IMD/CIR No. 4/ 168230/09 dated June 30, 2009, no entry load shall be charged for all the mutual fund schemes. Therefore the procedure for the waiver of load for direct application is no longer applicable.

Default Plan

Investor may note that following shall be applicable for default plan

ScenarioBroker Code

mentioned by the investor

Plan mentioned by the investor

Default Plan to be captured

1 Not mentioned Not mentioned Direct Plan

2 Not mentioned Direct Plan Direct Plan

3 Not mentionedRegular Plan/ Other than

Direct PlanDirect Plan

4 Mentioned Direct Plan Direct Plan

5 Direct Not Mentioned Direct Plan

6 DirectRegular Plan/ Other than

Direct PlanDirect Plan

7 MentionedRegular Plan/ Other than

Direct PlanRegular Plan/ Other

than Direct Plan

8 Mentioned Not MentionedRegular Plan/ Other

than Direct PlanIn cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan/Other than Direct Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load. barring under the following circumstances.

a) Units applied under Daily Dividend Plan

b) If the aforesaid units are Redeemed / Switched, fully / partially into another scheme / plan

TAX TREATMENT FOR THE INVESTORS (UNITHOLDERS):Investors are advised to refer to the details in the Scheme information Document (SID), State-ment of Additional Information (SAI and also independently refer to his tax advisor.

IMPORTANCE OF SAVING FOR RETIREMENT: • Retirement is one of the most important life-stage goals.• Post retirement, the source of income stops, yet the requirement to lead the same lifestyle

(or better) remains critical.• India does not have a formal Social Security System.• Break-up of joint family system means that the individual has no option but to be self-

dependent.• Despite being a critical requirement, most Indians don’t save enough for retirement. 78

per cent Indians don’t save enough for comfortable retirement, according to a Report by Towers Watson.

• Risk of inflation underestimated.

Table 1: How much do you need to spend in the future to maintain the same lifestyle?

Value of Rs. 1 Lakh over a period of time due to inflation

Inf la-t i o n Rate

5 years 10 years 15 years 20 years 25 years 30 years

6.0% 133,823 179,085 239,656 320,714 429,187 574,349

7.0% 140,255 196,715 275,903 386,968 542,743 761,226

8.0% 146,933 215,892 317,217 466,096 684,848 1,006,266

9.0% 153,862 236,736 364,248 560,441 862,308 1,326,768

The above calculation is for illustration purpose only. Investors are advised to refer to finan-cial advisor / tax advisor independently before investment.The current expense will go up by approximately 7 times over the next 30 years!• It is important to save prudently in order to accumulate a retirement corpus that would

take care of the retirement requirements. It is pertinent to earn competitive returns on the investment, than merely earn ‘guaranteed’ lower returns to optimally meet the retire-ment goals.

Table 2: How much do you need to invest per year to have a retirement corpus of Rs. 1 Cr

A s -s u m e d Rate of Return

No. of Years for Retirement

5 10 15 20 25 30

7.0% 1,738,907 723,775 397,946 243,929 158,105 105,864

9.0% 1,670,925 658,201 340,589 195,465 118,063 73,364

12.0% 1,574,097 569,842 268,242 138,788 75,000 41,437

15.0% 1,483,156 492,521 210,171 97,615 46,994 23,002

The above calculation is for illustration purpose only. Investors are advised to refer to finan-cial advisor / tax advisor independently before investment.Notice what a small difference makes to your investment requirements. Instead of invest-ments growing at 7%, if it could grow at 15%, the investment amount may be lesser by almost Rs. 75,000 per year, and yet achieve the retirement corpus.Note – Though the above table illustrates the Annual Amount required to accumulate retire-ment corpus at various rates of assumed returns.

Three Steps for a Happy Retirement – Save, Accumulate and Enjoy

Step 1: Save Prudently• Save to beat inflation. Table 1 illustrated the effect of inflation on your requirements over

a period of time.• It is important to save prudently.• Reliance Retirement Fund offers the flexibility to choose asset class, depending on your

actual requirement.Step 2: Accumulate Retirement Corpus• It is pertinent to accumulate a healthy retirement corpus that will help meet retirement

goals effectively.• Table 2 illustrated the power of compounding and what a big difference that rate of

return could make to your portfolio.Step 3: Enjoy your Retirement• Investors could opt for SWP in Reliance Retirement Fund to withdraw a pension based

amount basis their requirement. To explain in detail SWP amount for various scenarios is mentioned in Table 3.

Importance of earning potentially higher Returns

Table 3: Annuity Table (Post Retirement) The Table shows the annuity receivable per year for an investment of Rs. 1 Cr

A s s u m e d Rate of Re-turn

No. of Years

10 15 20 25 30

7% 1,423,775 1,097,946 943,929 858,105 805,864

8% 1,490,295 1,168,295 1,018,522 936,788 888,274

9% 1,558,201 1,240,589 1,095,465 1,018,063 973,364

10% 1,627,454 1,314,738 1,174,596 1,101,681 1,060,792

12% 1,769,842 1,468,242 1,338,788 1,275,000 1,241,437 The above calculation is for illustration purpose only. Investors are advised to refer to finan-cial advisor / tax advisor independently before investment.Note: You could earn Rs. 2.5 Lakhs more per annum (30% higher returns) as annuity per an-num if the rate of return of the underlying fund is 12%, instead of 7%

Daily Net Asset Value (NAV) Publication:

The NAV will be declared on all working days and will be published in 2 newspapers. NAV can also be viewed on www.reliancemutual.com and www.amfiindia.com.

FOR INVESTOR GRIEVANCES PLEASE CONTACT:

Name and Address of Registrar : Karvy Computershare Private Limited, (Formerly known as Karvy Consultants Limited), Karvy Selenium Tower B, Plot number 31 & 32,Fincial District, Nanakramguda, Serilingampally Mandal, Hyderabad - 500032, India

Reliance Mutual Fund: Reliance Centre, 7th Floor, Off Western Express Highway, San-tacruz (East), Mumbai - 400 055. Tel No. - 022-3303 1000, Fax No. - 022-3303 7662, Email : customer_care@reliancemutual.com

UNITHOLDERS’ INFORMATION:Accounts statement (on each transaction), Annual financial results and Half yearly portfolio disclosure shall be provided to investors by post or published as per SEBI Regulations, 1996 and as amended from time to time.

Note: Pursuant to Addendum no. 66 dated June 11, 2015 investors were informed about the discontinuation of subscription under the Bonus plan/option of the scheme(s), wher-ever applicable, w.e.f June 25, 2015 (“effective date”). Further, in case of investments through the SIP and any other special products (as mentioned in the SID of the schemes) which were registered under the Bonus Plan/Option of the respective schemes prior to the effective date, the future transactions shall be processed under the Growth option of the respective schemes.

7. THIRD APPLICANT DETAILS

PAN /^PEKRN

^ NAME Mr. Ms.

^STATUS : Resident Individual NRI PIO CKYC ^Id

Wealth Sets You Free

Wealth Sets You Free

Reliance Nippon Life Asset Management Limited

APP No.:

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RELIANCE RETIREMENT FUND APPLICATION FORM(An open ended notified tax savings cum pension scheme with no assured returns)

Signature, Date & Stamp

APP No.:ACKNOWLEDGMENT SLIPReceived from Mr/Ms/M/s : _________________________________________________________________________________________________________________________

Growth Plan Growth Option

Dividend Plan Dividend Payout Option

Reliance Retirement Fund - Wealth Creation SchemeReliance Retirement Fund - Wealth Creation Scheme - Direct PlanReliance Retirement Fund - Income Generation SchemeReliance Retirement Fund - Income Generation Scheme - Direct Plan

Cheque / DD No. _________________ Date ________ / ______ / ______ ` ______________ Drawn on Bank _________________________________

Facilities Opted: SIP SWP Auto Transfer Auto SWP

An applicationfor allotmentof Units under

^ **PAN / PEKRN

5. FIRST APPLICANT DETAILS

^**CKYC Id

^NAME Mr. Ms. M/s.

Name of Guardian if first applicant is minor Mr. Ms.

Date of Birthof 1st ApplicantFather Mother Court Appointed Guardian

(Mandatory in case of Minor. )

Guardian’s Relationship With Minor D D M M Y Y Y Y Birth Certificate Passport Others (please specify)

Proof of Date of Birth and Guardian’s Relationship with Minor

STATUS^ : Resident Individual NRI Minor through Guardian PIO

Note:**In case First Applicant is Minor then details of Guardian will be required. ^Mandatory for all type of Investors. It is mandatory for investors to be KYC compliant prior to investing in Reliance Mutual Fund. Refer instruction no. II. 6, 7 & IX

#Date of birth is mandatory for investment in Reliance Retirement Fund and investors are required to provide the date of birth in application form. Refer Instruction No. II - 4. If date of birth is available in KRA records the sameshall be updated for this folio / investment. Applications shall be liable for rejection if the date of birth is not mentioned in the application form or not available in KRA records on the date of allotment if KYC is under process.

6. SECOND APPLICANT DETAILS

PAN /^PEKRN

^ NAME Mr. Ms.

^STATUS : Resident Individual NRI PIO CKYC ^Id

4. GENERAL INFORMATION [Please tick(P)] Single Joint (Default) Any one or Survivor^MODE OF HOLDING :APPLICATION FOR Zero Balance Folio Investment

DP ID

3. UNITHOLDING OPTION - DEMAT MODE PHYSICAL MODE

DEMAT ACCOUNT DETAILS - These details are compulsory if the investor wishes to hold the units in DEMAT mode. Ref. Instruction No. X.Please ensure that the sequence of names as mentioned in the application form matches with that of the account held with any one of the Depository Participant.

DP Name

DP Name

Beneficiary Account No.

Beneficiary Account No.CDSL

NSDL

Enclosures [Please tick ( P ) any one box]: Client Master List (CML) Transaction cum Holding Statement Cancelled Delivery Instruction Slip (DIS)

(If you have an existing folio number with KYC validated, please mention the number here, enter your name in section 5 & proceed to section 9 to provide FATCA / Additional KYC details. If these details are already provided please proceed to Section 12. Mode of holding will be as per existing folio number.)

I am a First time investor across Mutual FundsOR

I am an existing investor in Mutual Funds

[Please tick (P) any one]2. INVESTOR'S FOLIO NUMBER

*Please sign alongside in case the EUIN is left blank/not provided. I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/sub broker.

++ I/We, have invested in the Scheme(s) of your Mutual Fund under Direct Plan. I/We hereby give you my/our consent to share/provide the transactions data feed/ portfolio holdings/ NAV etc. in respect of my/our investments under Direct Plan of all Schemes Managed by you, to the above mentioned Mutual Fund Distributor / SEBI-Registered Investment Adviser:

ARN- (ARN stamp here) ARN-

Name & Broker Code / ARN Sub Agent CodeSub Agent ARN Code *Employee Unique Identification Number ++RIA Code

1. DISTRIBUTOR / BROKER INFORMATION (Refer Instruction No. I.9)

Second Applicant / Authorised Signatory

Third Applicant / Authorised Signatory

First / Sole Applicant / Guardian / Authorised Signatory

SIGN HERE

Add convenience to your life with our value added service

Investor Service. A RMF Virtual Branch Experience.

For more details : Visit : www.reliancemutual.com

You can also follow us on

Simply send **SMS to 966 400 1111 to avail below facilitiesTypes of Facilities

NAV

Balance

Last 3 Transaction

Statement thru mail

Single Folio

SMS mynav

SMS Balance

SMS Transaction

SMS ESOA

Multiple Folio

SMS mynav <space> last 6 digits of folio

SMS balance <space> last 6 digits of folio

SMS txn <space> last 6 digits of folio

SMS ESOA <space> last 6 digits of folio

**SMS charges apply

^**OCCUPATIONst1 Applicantnd2 Applicantrd3 Applicant

Guardian

Professional Agriculturist Housewife Retired Government Service/PublicSector Business Forex Dealer Student Private Sector Service Others

8. ADDITIONAL KYC DETAILS

(Net worth should

not be older

than 1 year)

^**GROSS ANNUAL INCOME DETAILS

1st Applicant

2nd Applicant

3rd Applicant

Guardian

D D M M Y Y Y Y

Below 1 Lac 1-5 Lacs 5-10 Lacs 10-25 Lacs 25 Lacs-1 Crore >1 Crore ^**NET-WORTH in ` Date

D D M M Y Y Y Y

D D M M Y Y Y Y

D D M M Y Y Y Y

# Please indicate all Countries in which you are a resident for tax purpose, associated Taxpayer Identification Number and it's Identification type eg. TIN etc.

9. FATCA and CRS DETAILS For Individuals (Mandatory)

% In case Country of Tax Residence is only India then details of Country of Birth & Nationality need not be provided. In case Tax Identification Number is not available, kindly provide its functional equivalent

Sole/First Applicant/Guardian Second Applicant Third Applicant

1

2

3

IdentificationType

Tax Payer %Ref. ID No

# ^**Country

1

2

3

Tax Payer %Ref. ID No

#Country

1

2

3

Tax Payer %Ref. ID No

#Country

Sole/First Applicant/Guardian Second Applicant Third Applicant

IdentificationType

IdentificationType

Relia

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SMS

10. CONTACT DETAILS OF SOLE / FIRST APPLICANT (Refer Instruction No. VII & IX)  

##Please note that your address details will be updated as per your KYC records with CKYC / KRA

##Correspondence Address (P.O. Box is not sufficient) Overseas Address (Mandatory for NRI / FII Applicants)

City/ Town State

Country Pin Code

House /Flat No.

Street Address

Email ID

( C o u n t r y C o d e )Tel.

(Res.) STD CodeTel.

(Off.)Mobile

No.

City/ Town State

Country Pin Code

House /Flat No.

Street Address

Investors providing Email Id would mandatorily receive E - Statement of Accounts in lieu of physical Statement of Accounts and the annual report or abridged summary on email. Please register your Mobile No & Email Id with us to get instant transaction alerts via SMS & Email.

I wish to receive scheme wise annual report or abridged summary through Physical mode (Applicable only for investors who have not specified the email id)

1st Applicant 2 nd Applicant 3 rd Applicant Guardian

Yes No Yes No Yes No Yes NoAre you a Politically Exposed Person (PEP)^**

Yes No Yes No Yes No Yes NoAre you related to a Politically Exposed Person (PEP)^**

^**PEP DETAILS

Country of Birth^**

Country of Nationality^**

Country of Birth

Country of Nationality

Country of Birth

Country of Nationality

BranchAddress

11. BANK ACCOUNT DETAILS MANDATORY for Redemption/Dividend/Refunds, if any (Refer Instruction No. III)

Bank Name

Account No. A/c. Type ( ) SB Current NRO NRE FCNR

Branch City

Please ensure the name in this application form and in your bank account are the same. Please update your IFSC and MICR Code in order to get payouts via electronic mode in to your bank account.

IFSC Code MICR CodePIN

M a n d a t o r y

M a n d a t o r y

F o r C r e d i t v i a R T G S 9 D i g i t F o r C r e d i t v i a N E F T

12. INVESTMENT & PAYMENT DETAILS (Separate Application Form is required for investment in each Plan/Option. Multiple cheques not permitted with single application form (Refer instruction no. IV) OTBM facility is available to investors who have Invest Easy facility registered with RMF.

I I I I minus II D D M M Y Y Y Y

Investment Amount ( ` )

DD Charges (if applicable) ( ` )

Net Amount~ ( ` )

Instrument No/Cash Deposit Slip No/UTR No. Date Drawn on Bank Bank Branch City

^^ $( Default option if not selected) ~Units will be allotted for the net amount minus the transaction charges if applicable. Investors are requested to collect the cash deposit slip from the DISC

Reason for Investment: House Children’s education Children’s Marriage Car Retirement Others

$Mode of Payment Cheque DD Funds Transfer OTBM Facility (One Time Bank Mandate) RTGS / NEFT Cash (Refer Instruction No. XV)

Reliance Retirement Fund - Wealth Creation SchemeReliance Retirement Fund - Wealth Creation Scheme - Direct Plan

Reliance Retirement Fund - Income Generation Scheme

Reliance Retirement Fund - Income Generation Scheme - Direct Plan

[Please tick (P) the appropriate boxes only if applicable to the scheme in which you plan to invest]

Growth Plan Growth Option

Dividend Plan Dividend Payout OptionScheme Option

(For Product Labeling please refer lns No. XVII)

SIGN HERE

Second Applicant / Authorised Signatory

Third Applicant / Authorised Signatory

First / Sole Applicant / Authorised Signatory

17. DECLARATION AND SIGNATUREI/We would like to invest in Reliance Retirement Fund subject to terms of the Statement of Additional Information (SAI), Scheme Information Document (SID), Key Information Memorandum (KIM) and subsequent amendments thereto. I/We have read, understood (before filling application form) and is/are bound by the details of the SAI, SID & KIM including details relating to various services including but not limited to Reliance Any Time Money Card. I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I / We declare that the amount invested in the Scheme is through legitimate sources only and is not designed for the purpose of contravention or evasion of any Act / Regulations / Rules / Notifications / Directions or any other Applicable Laws enacted by the Government of India or any Statutory Authority. I accept and agree to be bound by the said Terms and Conditions including those excluding/ limiting the Reliance Capital Asset Management Limited (RCAM) liability. I understand that the RCAM may, at its absolute discretion, discontinue any of the services completely or partially without any prior notice to me. I agree RCAM can debit from my folio for the service charges as applicable from time to time. The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us. I hereby declare that the above information is given by the undersigned and particulars given by me/us are correct and complete. Further, I agree that the transaction charge (if applicable) shall be deducted from the subscription amount and the said charges shall be paid to the distributors. I/We hereby confirm that I /We are not United States persons within the meaning of Regulation (S) under the United States Securities Act of 1933, or as defined by the U.S. Commodity Futures Trading Commission, as amended from time to time or residents of Canada.

I/We confirm that I am/We are Non-Resident of Indian Nationality/Origin and I/We hereby confirm that the funds for subscription have been remitted from abroad through normal I confirm that I am resident of India. banking channels or from funds in my/our Non-Resident External /Ordinary Account/FCNR Account. I/We undertake that all additional purchases made under this folio will also be from funds received from abroad through approved banking channels or from funds in my/ our NRE/FCNR Account. I have read and understood Instruction no. XIII and hereby agree to abide by the same. I hereby declare that the information provided in the Form is in accordance with section 285BA of the Income Tax Act, 1961 read with Rules 114F to 114H of the Income Tax Rules, 1962 and the information provided by me /us in the Form, its supporting Annexures as well as in the documentary evidence provided by me/us are, to the best of our knowledge and belief, true, correct and complete.

14. Yes NoI wish to opt for SWP

Note : Please ensure that the Start date specified for SWP facility should be later than the completion of the lock in period of 5 years or 65 years of age which is earlier. In case the Start date is mentioned prior to the completion of the lock in period then the SWP facility shall automatically start post the completion of the lock in period.

Frequency: Monthly Quarterly Half Yearly Yearly

Enrolment Period From To (Minimum. ` 500/- & in multiples of ` 100/- thereafter)Amount _______________________

D D M M Y Y Y Y D D M M Y Y Y Y

15. I wish to opt for Auto Transfer facility Yes No (Applicable only for investors who have invested in Wealth Creation scheme. Refer Ins No. XIV & XVI)

To Scheme :Reliance Retirement Fund - Income Generation Scheme

Reliance Retirement Fund - Income Generation Scheme - Direct Plan

Note : 1) If the investor has opted for Auto transfer facility then existing units of the investor in the Wealth Creation Scheme will be automatically switched to Income Generation Scheme (with nil exit load)at any date as specified by the investor which is within or after the lockin period. In case the Auto transfer option is selected and date is not specified in the application, auto transfer will happen on 5th workingday of the following month upon completion of investor's 50 years of age. The balance SIP installments in Wealth Creation scheme will continue to get processed in Income Generation Scheme once the Autotransfer facility in executed. 2) This facility is not applicable for investors opting to invest in DEMAT mode.

Date of Transfer D D M M Y Y Y Y

Growth Plan Growth Option

Dividend Plan Dividend Payout OptionOption

16. I wish to opt for Auto SWP facility Yes No (Not applicable for investors opting to invest in DEMAT mode. Refer Ins No. XV & XVI)

Frequency: Monthly Quarterly Annual SWP Date : 1 8 15 22

Note : Auto SWP shall start from the 1st/8th/15th/22nd transaction day of the month/quarter/year (as specified by the investor) followed by the month in which the investor completes 60 years of ageafter completion of 5 year lock in period, whichever is later.

Amount (Minimum Amount for Auto SWP : A) Monthly Frequency: Rs. 500 & in multiples of Re 500 thereafter. B) Quarterly Frequency: Rs. 1,500 & in multiples of___________________ Re.500 thereafter. C) Annual Frequency: Rs.5,000 & in multiples of Re.500 thereafter)

Start Date : Refer Note below End Date : M M Y Y (optional)

Relia

nce

Retir

emen

t Fun

d Fo

rm /

18th

Jul

y 20

18 /

Ver

2.3

13. NOMINATION - I wish to Nominate Yes N o (Refer to Instruction No.VI) (Mandatory if mode of holding is single) In case of existing investor, nomination details mentioned in the below table will replace the existing details registered in the folio

Nominee Name & AddressGuardian Name

(in case Nominee is Minor)Guardian Relation

with NomineeAllocation

(%) Sign of

NomineeSign of

GuardianSignature of Applicants

1st Applicant

2nd Applicant

3rd Applicant

Date of Birthof Nominee

Nominee Relation With Investor

PAN of Nominee(Optional)

SIP / SIP INSURE ENROLLMENT DETAILS FOR RELIANCE RETIREMENT FUND

(Use this form if One Time Bank Mandate Form is registered in the folio)

Reliance Nippon Life Asset Management Limited

Wealth Sets You Free

INITIAL INVESTMENT DETAILS

Bank Name:

Cheque/ DD No./Cash Deposit Slip No. Cheque / DD / Cash Deposition Date

Branch: City:Net Amount `

DD Charge `

APPLICANT DETAILSName of Sole/1st holder

Name of 2nd holder

Name of 3rd holder

PAN No / PEKRN.

PAN No / PEKRN.

PAN No / PEKRN.

FOLIO NO.

KYC

KYC

KYC

UNITHOLDING OPTION - National Securities Depository Limited

Demat Mode Physical Mode (Ref. Instruction No. 23) Demat Account details are compulsory if demat mode is opted. Not applicable if you have opted for SIP Insure.

Central Depository Securities Limited

DepositoryParticipant Name _______________________________________DP ID No.Beneficiary Account No.

I N

Depository

Participant Name _______________________________________

Target ID No.

Enclosures (Please tick any one box) : Client Master List (CML) Transaction cum Holding Statement Cancelled Delivery Instruction Slip (DIS)

APP No.

DISTRIBUTOR / BROKER INFORMATION

*Please sign below in case the EUIN is left blank/not provided. I/We hereby confirm that the EUIN box has been intentionally left blank by me/us as this transaction is executed without any interaction or advice by the employee/relationship manager/sales person of the above distributor/sub broker or notwithstanding the advice of in-appropriateness, if any, provided by the employee/relationship manager/sales person of the distributor/sub broker.++ I/We, have invested in the Scheme(s) of your Mutual Fund under Direct Plan. I/We hereby give you my/our consent to share/provide the transactions data feed/ portfolio holdings/ NAV etc. in respect of my/our investments under Direct Plan of all Schemes Managed by you, to the above mentioned Mutual Fund Distributor / SEBI-Registered Investment Adviser:

ARN- (ARN stamp here)

Upfront commission shall be paid directly by the investor to the AMFI registered distributor based on the investor's assessment of various factors including the service rendered by the distributor.

ARN-

Third Applicant /Authorised Signatory

First / Sole Applicant / Guardian / Authorised Signatory

Second Applicant /Authorised Signatory

SIGN HERE

Name & Broker Code / ARN Sub Broker / Sub Agent CodeSub Broker / Sub Agent ARN Code *Employee Unique Identification Number ++RIA Code

M A N D A T O R Y

M A N D A T O R Y

M A N D A T O R Y

Mr./Ms./M/s

Mr./Ms.

Mr./Ms.

Investors are requested to note that the amount mentioned in One Time Bank Mandate should be the maximum amount that you would like to invest in schemes of RMF on any transaction day.

**For Reliance Retirement fund - Income Generation Plan & Reliance Retirement fund- Wealth Creation Plan, the Step up minimum Amount should be ` 500 and in multiples of ` 500/- . Note: STEP-UP facility is not applicable for SIP Insure registrations.

Scheme / Plan / Option Reliance STEP-UP Facility (Optional) (Refer Instruction No. 25)

SIP Amount(Please any one)

Enrollment Period

Amount Frequency Count(Please any one)Frequency

SIP DETAILS Refer Instruction No. 13. Please refer respective SID/KIM for product labeling. Refer SIP Insure instructions in case you have opted for SIP Insure.

Monthly(Default)

Quarterly

Yearly

From : To : M M / Y Y M M / Y Y

(in figures)` `

(Multiples of** 500 only )

`

IncreaseSIP amount

time(s)(Default 1 time)

Half-yearly

Yearly(Default)

(Please any one)SIP Date

2

23

7

28(Default)

10 18

______ (Any other st thdate from 1 to 28

of a given month)

$REQUEST FOR Registration of SIP Registration of SIP Insure Registration of Micro SIP

Wealth Sets You Free

Time Stamp & Date of receiving office

ACKNOWLEDGMENT SLIP ( Please retain this slip)

Scheme Name Payment Details

Drawn on Bank

Amount ` Instrument No/Cash Deposit Slip No.

Date :

Plan Option

Received from Mr/Ms/M/s : Request for: Registration of Sip Registration of Sip Insure Registration of Micro Sip

(Ref. Instruction No. 12 & 13)

One

Tim

e Ba

nk M

anda

te +

SIP

& S

IP In

sure

Enr

ollm

ent

Form

/ 18

th Ju

ly 2

018

/ Ve

r 1.2

$( Default option if not selected)

Note: SIP will be discontinued upon investor attaining 60 years of age.

DECLARATION AND SIGNATUREI/We would like to invest in Reliance ______________________________________________ subject to terms of the Statement of Additional Information (SAI) and Scheme Information Document (SID) and subsequent amendments thereto. I/We have read, understood (before filling application form) and is/are bound to the details of the SAI and SID including details relating to various services including but not limited to ATM/ Debit Card. I/We have not received nor been induced by any rebate or gifts, directly or indirectly, in making this investment. I accept and agree to be bound by the said Terms and Conditions including those excluding/ limiting the Reliance Nippon Life Asset Management Limited (RNAM) liability. I understand that the RNAM may, at its absolute discretion, discontinue any of the services completely or partially without any prior notice to me. I agree RNAM can debit from my folio for the service charges as applicable from time to time. The ARN holder has disclosed to me/us all the commissions (in the form of trail commission or any other mode), payable to him for the different competing Schemes of various Mutual Funds from amongst which the Scheme is being recommended to me/us. I hereby declare that the above information is given by the undersigned and particulars given by me/us are correct and complete. Further, I agree that the transaction charge (if applicable) shall be deducted from the subscription amount and the said charges shall be paid to the distributors.

I/We confirm that I am/We are Non-Resident of Indian Nationality/Origin and I/We hereby confirm that the funds for subscription have been remitted from abroad through normal banking channels or from funds in I confirm that I am resident of India.my/our Non-Resident External /Ordinary Account/FCNR Account. I/We undertake that all additional purchases made under this folio will also be from funds received from abroad through approved banking channels or from funds in my/ our NRE/FCNR Account.

I have read and understood Instruction no. XIII and hereby agree to abide by the same. I hereby declare that the information provided in the Form is in accordance with section 285BA of the Income Tax Act, 1961 read with Rules 114F to 114H of the Income Tax Rules, 1962 and the information provided by me /us in the Form, its supporting Annexures as well as in the documentary evidence provided by me/us are, to the best of our knowledge and belief, true, correct and complete.

I understand that the insurance claim and the payment of the sum insured shall be made directly by Reliance Nippon Life Insurance Company Ltd (RNLIC) subject to the terms and conditions of insurance, read along with the Certificate of Insurance of the group term insurance policy, Scheme Information Document and Statement of Additional Information. In the event my nominee is minor at the time of claim, I authorise RNLIC to make the payment only on collection of lawful guardian details under the policy.

Signed at_________________________________on this__________________________day of_______________20________.

Investors are requested to note that the amount mentioned in One Time Bank Mandate should be the maximum amount that you would like to invest in schemes of RMF on any transaction day.

Second Applicant /Authorised Signatory

Third Applicant /Authorised Signatory

First / Sole Applicant / Guardian / Authorised Signatory

By signing this SIP enrolment form I/We understand that the amount will be debited from the Bank account mentioned in One Time Bank Mandate / Invest Easy - Individuals Mandate Form.

SIGN HERE

Nominee Name & AddressGuardian Name

(in case Nominee is Minor)Guardian Relation

with NomineeAllocation

(%) Sign of

NomineeSign of

GuardianSignature of Applicants

1st Applicant

2nd Applicant

3rd Applicant

Date of Birthof Nominee

Nominee Relation With Investor

PAN of Nominee(Optional)

(Nomination is mandatory if you have opted for SIP Insure)

In case of existing investor, nomination details mentioned in the below table will replace the existing details registered in the folio. Signature of applicants is mandatory if you do not wish to nominate.

NOMINATION - I wish to Nominate Yes No (Ref. Instruction No. 26 to 29)

(1) Auto Debit facility is offered only to the investors maintaining their bank accounts with Bank of Baroda / Bank of India / HDFC Bank / ICICI Bank / AXIS Bank / State Bank of India / Union Bank Of India / Allahabad Bank / Punjab National Bank / Central Bank of India / Bank of Maharashtra. The above list is subject to change from time to time. "National Automated Clearing House (NACH)" is Direct Electronic Debit mode implemented by National Payments Corporation of India (NPCI), list of banks is available on NPCI website www.npci.org.in. The said list is subject to modifications. The investor agrees to abide by the terms and conditions of NACH Debit / Auto Debit facility of Reserve Bank of India / Banks. If any city / bank is removed from the above mentioned list RNAM at its sole discretion may accept Post Dated Cheques (PDC's) from the investors for the balance period..

(2) Reliance Mutual Fund (RMF) / RNAM, its registrars and other service providers shall not be held responsible or will not be liable for any damages and will not compensate for any loss, damage etc. incurred to the investor. The investor assumes the entire risk of using this facility and takes full responsibility. Investor will not hold RMF / RNAM, its registrars and other service providers responsible if the transaction is delayed or not effected or the investor bank account is debited in advance or after the specific SIP date due to various clearing cycles of NACH Debit / Auto Debit / local holidays.

(3) Investors are required to submit One Time Bank Mandate Form and SIP Enrollment Form along with a photo copy/cancelled cheque of Debit Bank Account (as mentioned on the One Time Bank Mandate Form) atleast 21 working days before the first SIP Installment date for NACH Debit & Auto Debit Clearing. In case One time Bank Mandate form is already registered in the folio then the subsequent SIP registration request provided in the same folio will be processed with in 12 calendar days.

(4) An investor can opt for Monthly, Quarterly or Yearly frequency for SIP. In case the investor has not specified the frequency then by default the frequency will be treated as Monthly. If an investor does not mention SIP start date appropriately, the SIP will by default start from the next month after meeting the minimum registration requirement of 21 working days or 12 calendar days as applicable ( Refer point 3). If an investor does not mention SIP end date appropriately the tenure of SIP will be treated as perpetual i.e. the end date shall be considered as December 2099. In case an investor, who has opted for Perpetual SIP, subsequently intends to discontinue the same, a written communication thereof will be required to be furnished.

(5) An investor shall have the option of choosing for 1 or more than 1 SIP in the same scheme same plan and in the st thsame month. The investor can choose the SIP Dates from 1 to 28 of any given month for SIP registered through

One Time Bank Mandate. For SIP registered through Auto Debit, SIP Debit date shall continue to be 2nd,10th, 18th and 28th of any given month. More than one SIP for the same debit date shall be acceptable. If an investor does not mention SIP Date in the application form or multiple SIP dates are mentioned in the SIP Mandate or the SIP Date is unclear in the application form / SIP Mandate, the default SIP date shall be treated as 10th as per the frequency defined by the investor. In case the criteria are not met the SIP would start on the same date from the next month. Investors should check the same at the Designated Investor Service Centre of Reliance Mutual Fund before investing.

(6) For details about the Scheme and its facility please refer the SID, SAI & KIM of the respective schemes / Addendum issued from time to time carefully before investing.

(7) In case of three consecutive failures due to insufficient balance in bank account while processing request for SIP, RNAM shall reserve the right to terminate the SIP without any written request from the investor.

(8) In case an investor wishes to change the bank account details for the existing SIP registered through Auto debit / NACH Debit mode, then he has to provide Change of bank details for One Time Bank Mandate. The existing SIP registration will not get cancelled. The investor has to submit the Change of bank details for One Time Bank Mandate atleast 21 business days prior to the next SIP Debit date.

(9) In case the Investor wishes to cancel the One Time Bank Mandate / SIP , Investor will have to submit an One Time Bank Mandate Cancellation Form or SIP cancellation form , 21 business days prior to discontinuation.

(10) Investors may note that all the transactions executed through Invest Easy such as "Online Transactions" (whether on our website or through any other application using the internet) "Transactions through call center", "Transactions through SMS", "Transactions through Mobile Phone" or any other facility as offered by RMF from time to time using the IPIN / One Time Password (OTP) will be considered as transaction through the mentioned broker (ARN) mentioned on this "SIP Enrollment Details" Form.

(11) The Broker Code given in this mandate will be applicable for all the transactions done through Invest Easy mode. In case there is a change of Broker Code then the investor are requested to cancel the existing mandate and register a fresh mandate with us.

(12) For Direct Investment Please Mention "Direct in the Column "Name & Broker Code/ARN. (13) Investors are required to clearly indicate the plans/options in the application form of the scheme.

Investor may note that following shall be applicable fordefault plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load. Similarly, in the absence of clear indication as to the choice of option (Growth or Dividend Payout), by default, the units will be allotted under the Growth Option of the default /selected plan of the scheme.

(14) Applications should be submitted at any of the Designated Investor Service Centre (DISCs) of RNAM or Karvy Computershare Pvt. Ltd.

(15) Existing unit holders should note that unit holders' details and mode of holding (single, jointly, anyone or survivor) will be as per the existing Account.

(16) RNAM reserves the right to reject any application without assigning any reason thereof. RNAM in consultation with Trustees reserves the right to withdraw these offerings, modify the procedure, frequency, dates, load structure in accordance with the SEBI Regulations and any such change will be applicable only to units transacted pursuant to such change on a prospective basis.

(17) No entry load will be charged with effect from August 1, 2009. Exit Load as applicable in the respective Scheme at the time of enrolment of SIP will be applicable.

(18) In order to transact through Call Center, SMS, online mode whether through RMF website or any other application using the internet and /or through Mobile or any other device, the investor needs to have the IPIN, issued by RNAM. By filling this form the investor will be issued IPIN by default in case he has not opted for the same earlier. This IPIN can also be used by the investor to Transact Online. If only the email id of the investor is registered with RNAM / RMF, investor can execute Transaction through Call Center, Transaction through mobile WAP (Web Access Portal) Site, Transaction through RMF website. If only the mobile number of the investor is registered with RNAM/RMF, investor can execute transaction only through SMS. For further details investors are requested to refer SAI.

(19) Kindly note that in case of a folio with joint Unitholders, having mode of operations as "either or survivor" or "anyone or survivor any one of the Investor(s) can transact through SMS, provided that such instruction is received vide an SMS from the mobile number registered with RNAM with respect to the concerned folio.

(20) Permanent Account Number (PAN): SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the applicants) to mention his/her permanent account number (PAN) irrespective of the amount of purchase. Where the applicant is a minor, and does not possess his / her own PAN, he / she shall quote the PAN of his/ her father or mother or the guardian, signing on behalf of the minor, as the case may be. In order to verify that the PAN of the applicants (in case of application in joint names, each of the applicants), the applicants shall attach along with the purchase application, a photocopy of the PAN card duly self-certified along with the original PAN Card. The original PAN Card will be returned immediately across the counter after verification. Micro SIP & Investors residing in the state of Sikkim are exempted from the mandatory requirement of PAN proof submission however they are required to mandatorily submit KYC Acknowledgement copy. Applications not complying with the above requirement may not be accepted/processed. Additionally, in the event of any Application Form being subsequently rejected for mismatch / non-verification of applicant's PAN details with the details on the website of the Income Tax Department, the investment transaction will be

cancelled and the amount may be redeemed at the applicable NAV, subject to payment of exit load, if any. Please contact any of the Investor Service Centres/Distributors or visit our website www.reliancemutual.com for further details.

(21) Prevention of Money Laundering and Know Your Client (KYC): SEBI has prescribed uniform uniform KYC compliance procedure for all the investors dealing with them. SEBI also issued KYC Registration Agency ( "KRA") Regulations 2011 and the guidelines in pursuance of the said Regulations and for In-Person Verification ("IPV"). All investors (individual and non- individual) are required to be KYC compliant. However, applicants should note that minors cannot apply for KYC and any investment in the name of minors should be through a Guardian, who should be KYC compliant for the purpose of investing with a Mutual Fund. Should the applicant desire to change KYC related information, POS will extend the services of effecting such changes. In case of an existing investor of RMF who is already KYC Compliant under the erstwhile centralized KYC with CVL (CVLMF) then there will be no effect on subsequent Purchase/Additional Purchase (or ongoing SIPs/STPs, etc) in the existing folios/accounts which are KYC compliant. Existing Folio holder can also open a new folio with Reliance Mutual Fund with the erstwhile centralized KYC.

(i) In case of an existing investor of Reliance Mutual Fund and who is not KYC Compliant as per our records, the investor will have to submit the standard KYC Application forms available in the website www.cvlkra.com along with supporting documents at any of the SEBI registered intermediaries at the time of purchase / additional purchase / new registration of SIP/STP etc. In Person Verification (IPV) will be mandatory at the time of KYC Submission.

(ii) Investors who have complied with KYC process before December 31, 2011 (KYC status with CVL-KRA as "MF - VERIFIED BY CVLMF") and not invested in the schemes of Reliance Mutual Fund i.e not opened a folio earlier, and wishes to invest on or after December 01, 2012, such investors will be required to submit 'missing/not available' KYC information and complete the IPV requirements.

Updation of 'missing / not available' KYC information along with IPV is currently a one-time requirement and needs to be completed with any one of the mutual funds i.e. need not be done with all the mutual funds where investors have existing investments. The said form is available on RMF's website i.e. www.reliancemutual.com or on the website of Association of Mutual Funds in India i.e. www.amfiindia.com or on the website of any authorised KRA's. Once the same is done then the KYC status at CVL-KRA will change to 'Verified by CVL KRA' after due verification. In such a scenario, where the KYC status changes to 'Verified by CVL KRA', investors need not submit the 'missing/not available' KYC information to mutual funds again.

(22) Communication for the investors: In accordance with SEBI Circular No. Cir/ IMD/ DF/16/ 2011 dated September 8, 2011 and SEBI Circular no. CIR/MRD/DP/31/2014 dated November 12, 2014 the investor whose transaction has been accepted by the RNAM/RMF shall receive a confirmation by way of email and/or SMS within 5 Business Days from the date of receipt of transaction request, same will be sent to the Unit holders registered e-mail address and/or mobile number.

Thereafter, a Consolidated Account Statement ("CAS") shall be issued in line with the following procedure: 1. Consolidation of account statement shall be done on the basis of PAN. In case of multiple holding, it shall be

PAN of the first holder and pattern of holding. 2. The CAS shall be generated on a monthly basis and shall be issued on or before 10th of the immediately

succeeding month to the unit holder(s) in whose folio(s) transaction(s) has/have taken place during the month.

3. In case there is no transaction in any of the mutual fund folios then CAS detailing holding of investments across all schemes of all Mutual Funds will be issued on half yearly basis [at the end of every six months (i.e. September/ March)]

4. Investors having MF investments and holding securities in Demat account shall receive a Consolidated Account Statement containing details of transactions across all Mutual Fund schemes and securities from the Depository by email / physical mode.

5. Investors having MF investments and not having Demat account shall receive a Consolidated Account Statement from the MF Industry containing details of transactions across all Mutual Fund schemes by email / physical mode. The word 'transaction' shall include purchase, redemption, switch, dividend payout, dividend reinvestment, systematic investment plan, systematic withdrawal plan and systematic transfer plan transactions. CAS shall not be received by the Unit holders for the folio(s) wherein the PAN details are not updated. The Unit holders are therefore requested to ensure that the folio(s) are updated with their PAN. For Micro SIP and Sikkim based investors whose PAN details are not mandatorily required to be updated Account Statement will be dispatched by RNAM/RMF for each calendar month on or before 10th of the immediately succeeding month.

In case of a specific request received from the Unit holders, RNAM / RMF will provide the account statement to the investors within 5 Business Days from the receipt of such request.

(23) Units held in the dematerialized form: Unitholders can have a option to hold the units in dematerialized form in terms of the guidelines / procedural requirements as laid by the Depositories (NSDL/CDSL) / Stock Exchanges (NSE / BSE). Please ensure that the sequence of names as mentioned in the application form matches with that of the account held with any one of the Depository Participant. This option is not applicable if investor has opted for SIP Insure registration.

(24) Employee Unique Identification Number (EUIN) would assist in tackling the problem of mis-selling even if the employee/relationship manager/sales person leave the employment of the distributor.

(25) Reliance STEP-UP Facility: Under this facility the Investor can increase the SIP installment (excluding MICRO SIP) at pre-defined intervals by a fixed amount. This facility is available for all categories of investors. For availing the said facilities, investors are required to note the following:

1. Investor willing to register STEP-UP should provide the STEP-UP details along with the SIP enrolment details and is also required to fill up " One Time Bank Mandate Form" from which the amount shall be debited. Investors who are currently registered under Invest Easy - Individuals facility may avail this facility without registering the One Time Bank Mandate. 2. The minimum amount for Reliance Retirement fund - Income Generation Plan & Reliance Retirement fund- Wealth Creation Plan shall be `500/- and in multiple of `500/-. 3. Monthly SIP offers STEP-UP frequency at half yearly and yearly intervals. Quarterly and Yearly SIP offers STEP-UP frequency at yearly interval only. In case STEP-UP frequency is not indicated, it will be considered as Yearly by Default. 4. There should be clear indication about STEP-UP Count i.e. the number of times the SIP Installment amount should be increased. In case STEP-UP amount is mentioned and STEP-UP count is not indicated, it will be considered as 1 (One) by Default. 5. The date for Reliance STEP-UP Facility will correspond to the registered SIP. The enrolment period specified in the Reliance STEP-UP form should be less than or equal to the enrolment period mentioned in the SIP. 6. In case of any deviation in period, the tenure of the SIP shall be considered.

Please note that this option is not applicable if investor has opted for SIP Insure registration.(26) Nomination 1. Nomination facility is available to individuals applying on their own behalf i.e. singly or jointly. Nomination is

mandatory for folios opened by individuals with single mode of holding. The nomination for your folio will also be considered for the purpose of SIP Insure if opted for insurance.

2. Only one nominee (Resident, NRI, Including Minor) can be nominated. Nomination can also be in favour of the Central Government, State Government, a local authority, any person designated by virtue of his office or a religious or charitable trust.

3. Nomination of an NRI is subject to requirements, if any, prescribed by RBI and SEBI from time to time. 4. Nomination can be changed at any time during the currency of the investment by the same persons who

have made the nominations. 5. The nominee shall not be a trust (other than a religious or charitable trust), society, body corporate,

partnership firm, karta of HUF or power of attorney holder. 6. On registration of nomination a suitable endorsement shall be made on the statement of account or in the

form of a separate letter. 7. The facility of nomination is available to a unitholder under SEBI (MFs) Regulations and guidelines issued by

SEBI from time to time. 8. Nomination in respect of units stands rescinded, upon the transfer of units. 9. On cancellation of nominations, the nomination shall stand rescinded and RMF shall not be under any

obligation to transfer the units in favour of the nominee. 10. Where a nomination in respect of any unit has been made, the units shall, on the death of the unitholder(s),

vest in the nominee and on compliance of necessary formalities the nominee shall be issued a SOA in respect of the units so vested subject to any charge or encumbrance over the said units. Nominee would be able to hold the units provided he is otherwise eligible to become unitholder of the scheme.

11. Where there are two or more unitholders one of whom has expired the title to units shall vest in the surviving unitholder(s) who may retain the nomination or change or cancel the same. However, nonexpression of desire to change or substitute the nominee by surviving unitholder shall be deemed to be the consent of surviving unitholder for the existing nomination.

12. Transmission made by the AMC as aforesaid, shall be a full discharge to the AMC from all liabilities in respect of the said units.

13. In case of a Zero Balance Folio Holder, nomination mentioned in Zero Balance Folio form shall be taken as default unless Scheme specific nomination has been made.

14. Nomination is maintained at the folio level and not at the scheme level. If the investor fills in a fresh application form with new Nominee Name than the same shall supercede the existing nominee details in the folio.

(27) If the investor does not select any option in the “Request for” section in the SIP / SIP Insure Enrollment form then by default the request will be considered for SIP registration.

(28) If the investor enters the nominee details in the main application form used for account opening and also specifies the nominee details in the SIP / SIP Insure Enrollment form then the nominee details entered in the account opening form ( main application form) will be considered.

INSTRUCTIONS cum TERMS AND CONDITIONS FOR SIP / SIP INSURE / MICRO SIP

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Direct PlanRegular Plan/Other than

Direct PlanDirect Plan

Not mentionedRegular Plan/Other than

Direct PlanRegular Plan/Other than

Direct PlanNot mentioned

Plan mentioned bythe investorScenario

123

456

7

8

Broker Code mentionedby the investorNot mentionedNot mentionedNot mentioned

MentionedDirectDirect

Mentioned

Mentioned

Default Plan tobe capturedDirect PlanDirect PlanDirect Plan

Direct PlanDirect PlanDirect PlanDirect Plan

Regular Plan/Other than Direct Plan

Regular Plan/Other than Direct Plan

Type of Investors Registrations done before 15th Oct 2015

Registrations done after

15th Oct 2015 but before 1st Jun 2018

Registrations done after

1st Jun 2018

Existing Investors

Existing Investors

Existing Investors

Existing Investors

Existing Investors

Existing Investors

New Investors

Yes

No

Yes

Yes

No

Yes

No

No

No

No

Yes

Yes

Yes

Yes

No

Yes

Yes

No

Yes

Yes

No

Max Sum Assured Applicable

(amt in lakhs)

10

21

21

50

50

50

50

Sum Assured for old SIP insure

registration (A) Rs.(Max Cover – 10 lakhs)

Sum Assured fornew SIP insure

registration (B)Rs.(Max Cover – 21 lakhs)

C = (A + B+C)

Rs.

Sum Assured Eligibility Lower of C or Rs.50

lakhs

10

10

7

7

4

20

20

13

25

30

28

29

39

50

50

49

Sum Assured fornew SIP insure

registration (B)Rs.(Max Cover – 50 lakhs)

39

60

55

49

Reliance Nippon Life Asset Management Limited

Wealth Sets You Free

1 ___________________________ 2 ___________________________ 3 ___________________________

1 ___________________________ 2 ___________________________ 3 ___________________________

Signature of Account Holder Signature of Account Holder Signature of Account Holder

Name as in Bank Record Name as in Bank Record Name as in Bank Record

ONE TIME BANK MANDATE(NACH / Direct Debit Mandate Form)

(Applicable for Lumpsum Additional Purchases as well as SIP Registration) APP No.

With Bank ___________________________________________

an amount of Rupees _________________________________________________________________________________ `

(Name of Destination Bank)

Reliance Mutual Fund

(For Office Use Only) (For Office Use Only)

(Destination Bank Account Number)

UMRN (For Office Use Only)

Sponsor Bank Code ___________________________________ Utility Code ________________________________________

I/We hereby authorize _______________________

Bank A/c no:

ModifyCreate

xxCancel

Email ID: _____________________________________________________________________

Mobile / Phone No: _____________________________________________________________

to debit (tick ) SB CA CC SB-NRE SB-NRO Other

I agree for the debit of mandate processing charges by the bank whom I am authorizing to debit my account as per latest schedule of charges of the bank.

This is to confirm that the declaration (as mentioned overleaf) has been carefully read, understood & made by me / us. I am authorizing the User Entity / Corporate to debit my account, based on the instructions as agreed and signed by me.I have understood that I am authorized to cancel / amend this mandate by appropriately communicating the cancellation / amendment request to the User entity / Corporate or the bank where I have authorized the debit.

Reference 1

Reference 2

Folio No.

Appln No.

FREQUENCY: Monthly Quarterly Half Yearly Yearly as & when presented DEBIT TYPE Fixed Amount Maximum Amountx

IFSC MICR

x x xx

PERIODFrom :

To:

Or Until Cancelled

3 1 1 2 2 0 9 9

D D M M Y Y Y Y

D D M M Y Y Y Y

Date: D D M M Y Y Y Y

(I) Eligibility1. All individual investors enrolling for investments via SIP and opting for ‘Reliance SIP Insure’ 2. Only individual investors whose entry age is 18 years & more and less than 51 years at the time of investment.3. In case of multiple holders in the any scheme, only the first unit holder will be eligible for the insurance cover.4. An investor shall have the option of choosing for 1 or more than 1 SIP in the same scheme same plan and in the

same month. The investor can choose the SIP Dates from 1st to 28th of any given month. More than one SIP for the same debit date shall be acceptable.

Documents to be submitted: It is mandatory for each investor to sign and submit the following documents under this facility;

a. Application Form (Nomination is mandatory for all investors with mode of holding as single, Joint & Any one or Survivor)

b. SIP Insure Enrollment / One Time Bank Mandate (OTBM) c. Authorization Mandate (forms part of Application Form)5. Reliance SIP Insure facility will not be extended to investors applying under the category of Micro SIPs.Terms & Conditions for availing Life Insurance Cover on SIP investments(II) Age Limit1. Only individual investors whose entry age is 18 years & more and less than 51 years at the time of investment.2. Cover ceasing age is restricted to 55 years. Charges of Insurance Cover: The insurance cover comes at no extra cost to the investors who are registered/

willing to invest through Reliance SIP Insure in designated schemes that offer this facility. (III) Commencement of Insurance Cover The Insurance cover shall commence after “waiting period” of 45 days from the commencement of SIP

installments. However the waiting period will not be applicable in respect of accidental deaths.(IV) Amount of Life Insurance Cover Available Under Reliance SIP Insure, the investors are provided with life insurance cover without any extra cost (i.e free of

cost) under a Group Term Insurance scheme. The cost of the insurance premia will be borne by the AMC. The Life Insurance Cover under ‘SIP Insure’ facility will be as per the following clause.

• Year 1 - 10 Times the equivalent # Monthly SIP Installment • Year 2 - 50 Times the equivalent # Monthly SIP Installment • Year 3 onwards - 120 Times the equivalent # Monthly SIP Installment The above applies to all the frequencies / options Limits above are subject to maximum coverage of Rs. 50 lakhs per investor** **Since the limit is per investor, all his existing investments in Reliance SIP Insure across all eligible schemes will

be considered for calculating the maximum sum assured limit. # Illustration for Calculation of Life Insurance Cover Suppose a person has enrolled for SIP under quarterly frequency with installment amount of Rs 3000 per quarter

for a period of 3 years and also for yearly frequency with installment amount of Rs 12000 per year for a period of 3 years

Following is the way he should calculate the eligible life insurance cover for different years Step 1- Before he calculates as per the formula, he should find out the equivalent monthly installment for his SIP

amount. For Quarterly frequency, it is 3000/3 = Rs 1000 becomes his equivalent monthly SIP installment For Yearly frequency, it is 12000/12 = Rs 1000 becomes his equivalent monthly SIP installment Step 2 - Now he can refer to the formula for calculation of eligible insurance cover (under quarterly as well as

yearly frequencies each) which is as follows; The Life Insurance Cover under ‘Reliance SIP Insure’ facility will be as per the following clause; • Year 1 - 10 Times the equivalent # Monthly SIP Installment = 10 * 1000 = Rs. 10,000 • Year 2 - 50 Times the equivalent # Monthly SIP Installment = 50* 1000 = Rs. 50,000 • Year 3 onwards - 120 Times the equivalent # Monthly SIP Installment = 120 * 1000 = Rs. 1,20,000 Minimum Period of Contribution: Monthly - 36 installments; Quarterly - 12 installments ; Yearly - 3 installments The Life Insurance Cover under “Reliance SIP Insure” facility shall be as per the above terms and conditions,

subject to a maximum of Rs 50 lakhs per investor across all schemes / plans and folios across all frequencies / options, in lumpsum, which will be paid/credited to the Nominee’s bank account directly by the insurance company, in the event of the death of the Unit Holder (subject to the terms and conditions of the insurance, read along with the Certifi cate of Insurance, of the Group Term Insurance policy).

Note: Investors are requested to note the terms and conditions of the respective lock in period clause that shall be applicable for each SIP Insure installment under the respective Scheme(s) e.g. 3 years in case of Reliance Tax Saver (ELSS) Fund and 5 years in case of Reliance Retirement fund – (Wealth Creation Scheme & Income Generation Scheme)

Insurance cover would cease, if investor redeems (fully / partially) or switches out^ (fully / partially) units before completion of the Reliance SIP Insure tenure or discontinues his SIP before completion of 3 yrs of the opted SIP tenure.

^ Switch out/ Auto Transfer between Reliance Retirement Fund - Wealth Creation Scheme to Reliance Retirement

SIP INSURE INSTRUCTIONSFund -Income Generation Scheme or vice a versa will not be considered for Cessation of Insurance Cover.

However, the insurance cover will continue if the SIP stops after the minimum period of contribution (Monthly - 36 installments; Quarterly - 12 installments; Yearly - 3 installments) of the opted SIP tenure & the sum assured, in such a scenario, will be equivalent to the fund value* subject to maximum of 120 times the equivalent # Monthly SIP Installment or max sum assured limit i.e 50 Lakhs whichever is lower. The insurance cover will be continued till the committed tenure is completed or till 55 yrs of age whichever is earlier.

* Fund Value = Value of units, accumulated under SIP Insure, at the last successfully executed SIP date seen from the day on which SIP is discontinued.

The insurance amount as per the above sum assured clause under revised features subject to a maximum of Rs 50 lakhs per investor across all schemes / plans and folios across all frequencies / options, in lumpsum will be paid / credited to the Nominee’s bank account directly by the insurance company, in the event of the death of the Unit Holder (subject to the terms and conditions of the insurance, read along with the Certifi cate of Insurance, of the Group Term Insurance policy).

Example on Max Sum Assured Calculation for more details (amount in lakhs)

Since the limit is per investor, all his existing investments in Reliance SIP Insure across all eligible schemes will be

treated as per existing features and will also be considered for calculating the maximum sum assured limit, if investor is also registered under Revised Reliance SIP insure facility. In case the investor is not registered under revised Reliance SIP Insure facility the old provision shall be applicable to investor.

(V) Designated Schemes in which Reliance SIP Insure will be offered; • Reliance Growth Fund • Reliance Vision Fund • Reliance Retirement Fund • Reliance Tax Saver (ELSS) • Reliance Large Cap Fund • Reliance Value Fund • Reliance Multi Cap Fund • Reliance Small Cap Fund • Reliance Banking Fund • Reliance Pharma Fund • Reliance Power & Infra Fund • Reliance Consumption Fund • Reliance Focused Equity Fund • Reliance Balanced Advantage Fund • Reliance Equity Hybrid Fund • Reliance Equity Savings Fund • Reliance Hybrid Bond Fund(VI) SIP Amount Monthly - Rs. 500 per month & in multiples of Re 1 thereafter Quarterly - Rs. 1500 per quarter & in multiples of Re 1 thereafter Yearly - Rs. 6000 per year & in multiples of Re 1 thereafter

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Authorisation to Bank: I/We wish to inform you that I/we have registered with Reliance Mutual Fund for NACH / Direct Debit through their authorised Service Provider(s) and representative for my/our payment to the above mentioned beneficiary by debit to my/our above mentioned bank account. For this purpose I/We hereby approve to raise a debit to my/our above mentioned account with your branch. I/We hereby authorize you to honor all such requests received through to debit my/our account with the amount requested, for due remittance of the proceeds to the beneficiary.

FOR OFFICE USE ONLY (Not to be filled in by Investor)

Affix Barcode Date and Time Stamp No.

*I/We hereby declare that the particulars given on this mandate are correct and complete. If the transaction is delayed or not effected at all for reasons of incomplete or incorrect information, I/We would not hold Reliance Mutual Fund, their representatives, service providers, participating banks & other user institutions responsible. I/We have read the Terms & Conditions and agree to discharge the responsibility expected of me/us as a participant/s under the scheme. I/We authorize use of above mentioned contact details for the purpose of this specific mandate instruction processing. I/We hereby confirm adherence to terms on this mandate.

(Except for Reliance Tax Saver (ELSS) Fund & Reliance Retirement Fund where minimum installment is as follows; Monthly option - Rs. 500 p.m. and in multiples of Rs 500 thereafter Quarterly option - Rs. 1500 per quarter & in multiples of Rs 500 thereafter Yearly option - Rs 6000 per year & in multiple of Rs 500 thereafter) There is no upper limit.(VII) SIP Tenure1. Minimum Period of Contribution: Monthly - 36 installments; Quarterly - 12 installments ; Yearly - 3 installments2. Maximum Period of Contribution for SIP: No upper limit for SIP tenure. The investor can opt for Perpetual SIP also. 3. Maximum Period of Contribution for SIP Insure (for seeking Insurance cover): Upto completion of payment of all

the monthly installments as registered or till attaining 55 years of age whichever is earlier.(e.g., a person can register an SIP of maximum 10 yrs at the age of 45 yrs). The insurance cover ceases when the investor attains 55 years of age or the completion of the SIP insure tenure whichever is earlier.

4. In case the investor has opted for perpetual SIP Insure then the insurance cover will cease when the investor attains 55 years of age however the SIP will still continue.

(VIII) Load structure1. The Entry Load under Reliance SIP Insure shall be Nil in the respective designated schemes. In terms of SEBI

circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid directly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor

2. Exit load structure as prevailing at the time of investment /registration of SIP in the respective eligible schemes of Reliance SIP Insure shall be applicable.

(IX) SIP dates1. SIP auto debit facility is available only on specific dates of the month i.e. investor can choose the SIP Dates from

1st to 28th of any given month.2. The first SIP installment could be submitted on any working day. However the subsequent installments from 1st

to 28th of every month.3. Please submit the required documents for SIP atleast 21 working days before the first SIP date for Auto Debit

facility.4. Please read Instructions cum Terms and Conditions of OTBM + SIP Enrolment Form.(X) Frequency of SIP : Monthly, Quarterly or Yearly basis(XI) Mode of payment SIPs will be accepted through One Time Bank Mandate to the investor’s bank account under this facility. Post

dated cheques will not be accepted in case of Fresh SIP insure requests.

(XII) Cessation of Insurance Cover The insurance cover shall cease upon occurrence of any of the following: 1. At the end of mandated Reliance SIP Insure tenure. i.e., upon completion of payment of all the installments

as registered or till attaining 55 years of age whichever is earlier 2. Discontinuation of SIP installments before completing the minimum period of contribution (Monthly –36

installments; Quarterly –12 installments; Yearly – 3 installments) of the opted SIP tenure 3. Partial or Full Redemption / switch-out^ of units purchased under Reliance SIP Insure before completion of

the mandated SIP tenure / installments or till attaining 55 years of age, whichever is earlier 4. In case of default in payment of three consecutive monthly /quarterly /yearly SIP installments or five

separate occasions in Monthly / Quarterly/ Yearly SIP installments of such defaults during the tenure of the SIP duration chosen or till attaining 55 years of age, whichever is earlier.

^Switch out / Auto transfer between Reliance Retirement Fund - Wealth Creation Scheme to Reliance Retirement Fund-Income Generation Scheme or vice a versa will not be considered for Cessation of Insurance Cover.

(XIII) Exclusions for Insurance cover No insurance cover shall be admissible in respect of death of the SIP-Insure unitholder (the insured person) on

account of -1. Death due to suicide shall be dealt with as per IRDAI Regulations 2. Death within 45 days from the commencement of SIP installments except for death due to accident.3. Death due to pre-existing illness, disease(s) or accident which has occurred prior to the start of cover.XIV) Free life insurance cover provided as a part of an add on feature called as ‘Reliance SIP Insure’ is arranged and

funded by Reliance Nippon Life Asset Management Limited through “Reliance Group Term Assurance Plus” (UIN 121N104V01) of Reliance Nippon Life Insurance Company Limited (IRDAI Reg. No. 121). On exercising an option to become a member of insurance scheme, the death benefi ts (subject to the terms and conditions of the insurance, read along with the Certifi cate of Insurance, of the Group Term Assurance Plus Policy), shall be paid/ credited directly to investor’s nominee by Reliance Nippon Life Insurance Company Limited. The investor is advised to refer to detailed sales brochure of Reliance Group Term Assurance Plus before deciding to opt for insurance cover. Please refer to http://www.reliancenipponlife.com/ for more details. There is no compulsion whatsoever that this insurance cover has to be taken together with SIP. SIP is also available without insurance cover.

Reliance SIP Insure is a special feature available under selected schemes of Reliance Mutual Fund and is subject to such limits, operating guidelines, terms and conditions. Investors are requested to refer to the Scheme Information Document (SID), Statement of Additional Information (SAI), Key Information Memorandum (KIM) cum Application Form for further details.

The information herein above is meant only for general reading purposes and the views being expressed only constitute opinions and therefore cannot be considered as guidelines, recommendations or as a professional guide for the readers. Before making any investments, the readers are advised to seek independent professional advice, verify the contents in order to arrive at an informed investment decision.

None of the Sponsors, the Investment Manager, the Trustee, their respective directors, employees, affiliates or representatives shall be liable in any way for any direct, indirect, special, incidental, consequential, punitive or exemplary damages, including on account of lost profits arising from the information contained in this material.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully.O

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INSTRUCTIONS TO HELP YOU COMPLETE THE MAIN APPLICATION FORMI. GENERAL INSTRUCTION: 1. Please read the Key Information Memorandum (KIM), Statement of Additional Information(SAI) and the

Scheme Information Document(SID) carefully before investing. All applicants are deemed to have read, understood and accepted the terms subject to which this offer is being made and bind themselves to the terms upon signing the Application Form and tendering payment.

2. The application form must be filled in English in BLOCK letters using Black or Dark Blue colored ink. In-complete applications are liable to be rejected. Please ensure that the requisite details and documents have been provided. This will help in avoiding processing delays and / or rejection of your Application Form. All subscription application forms should be submitted only at the designated Investor Service Center of Reliance Mutual Fund.

3. The Applicant’s name and address must be given in full (P.O. Box No. alone is not sufficient). In case of multiple applicants, all communication and payments towards redemption will be made in the name of / favoring first applicant only. If the first applicant is a minor, the name of the Guardian who will sign on behalf of the minor should be filled in the space provided. Please fill in your date of birth as this may be required for validating your identity for certain transactions/ communication. Also, please provide Telephone No./E-mail Id. of the first applicant, so as to facilitate faster and efficient communication.

4. All applicants must sign the form, (quoting existing Folio no, if any). Thumb impressions must be at-tested by a Judicial Magistrate/Notary Public under his/her official seal.

5. Please note that if no Plan is ticked / indicated in the Application form, the units will, by default, be al-lotted under the Growth Plan of the Scheme. Similarly, Growth Option of the Growth Plan and Dividend Reinvestment Option of the Dividend Plan shall be the default sub-options.

6. In case of Mode of Holding is not mentioned for Joint Holder’s the default mode of holding would be Joint.

7. If the investment is done on behalf of the minor then the minor shall be the sole holder in the folio /account. Joint holding will not be allowed in the folio/account opened on behalf of the minor.

8. Guardian in the folio on behalf of the minor should either be a Natural guardian (i.e. father or mother) or a court appointed Guardian.

9. If you have invested through a distributor kindly specify the Name and ARN Code of the distributor else for Direct Investment please Mention “Direct” in the Column “Name & Broker Code/ARN”. In case noth-ing is specified then by default the Broker Code will be treated as Direct.

In case the subscription amount is Rs. 10,000 or more and your Distributor has opted to receive Trans-action Charges, Rs. 100 will be deductible from the purchase / subcription amount and payable to the Distributor. Units will be issued against the balance amount invested.

10. Investors are required to clearly indicate the plans/options in the application form of the scheme. Investor may note that following shall be applicable for default plan

Scenario Broker Code mentionedby the investor

Plan mentioned by theinvestor

Default Plan to becaptured

1 Not mentioned Not mentioned Direct Plan2 Not mentioned Direct Plan Direct Plan3 Not mentioned Regular Plan/Other than

Direct PlanDirect Plan

4 Mentioned Direct Plan Direct Plan5 Direct Not Mentioned Direct Plan6 Direct Regular Plan/Other than

Direct PlanDirect Plan

7 Mentioned Regular Plan/Other thanDirect Plan

Regular Plan/Other thanDirect Plan

8 Mentioned Not Mentioned Regular Plan/Other thanDirect Plan

In cases of wrong/ invalid/ incomplete ARN codes mentioned on the application form, the application shall be processed under Regular Plan. The AMC shall contact and obtain the correct ARN code within 30 calendar days of the receipt of the application form from the investor/ distributor. In case, the correct code is not received within 30 calendar days, the AMC shall reprocess the transaction under Direct Plan from the date of application without any exit load. Similarly, in the absence of clear indication as to the choice of option (Growth or DividendPayout), by default, the units will be allotted under the Growth Option of the default / selected plan of the scheme.

11. Investors can opt for Special facilities like Systematic Investment Plan, Systematic Transfer Plan, Reli-ance Smart STEP, Trigger, Systematic Withdrawal Plan, Dividend Transfer Plan, Reliance SIP Insure and Invest Easy available in selected Schemes. Please fill separate Transaction / Enrolment Form available on our website and at our DISCs.

12. The guardian cannot undertake any financial and non-financial transactions including fresh registra-tion of Systematic Transfer Plan (STP), Systematic Investment Plan (SIP) and Systematic Withdrawal Plan (SWP) after the date of the minor attaining majority till the documents for the change in status are provided.

13. In case the new investor wishes to opt for SIP through Auto debit/NACH mode then a separate OTM + SIP Form as applicable has to be submitted along with Common Application Form. In case an existing investor wishes to opt for Auto debit/NACH mode for SIP then only OTM + SIP Form as applicable has to be submitted.

14. Politically Exposed Persons (PEP) are defined as individuals who are or have been entrusted with prom-inent public functions in a foreign country, e.g., Heads of States or of Governments, senior politicians, senior Government/judicial/military officers, senior executives of state owned corporations, important political party officials, etc.

15. If the Scheme name on the application form and on the payment instrument are different, the applica-tion may be processed and units allotted at applicable NAV of the scheme mentioned in the application / transaction slip duly signed by investor(s), given that the same constitutes a valid legal document between the investor and the AMC.

16. If the investor has opted for Invest Easy facility IPIN will be issued to the investor which can be used to transact through Online mode on RMF website, transact through Call Center & Reliance Mutual Fund Application. Further, in order to transact through Call Centre and / or Transact through Mobile / SMS investor has to mandatorily fill and submit “One Time Bank Mandate Registration form”. The form is available on RMF website / DISC of RMF.

17. If the Name given in the application does not match the name as appearing on the PAN Card, authen-tication, application may be liable to get rejected or further transactions may be liable to get rejected.

II. APPLICANT’S INFORMATION:1. In case of application(s) made by individual investors under a Power of Attorney, the original Power of

Attorney or a duly notarized copy should be submitted alongwith the subscription application form.2. Date of Birth of the minor is mandatory while opening the account /folio.3. In case the investment is done on behalf of the minor the relationship/status of the guardian as father,

mother or legal guardian and Date of birth of the minor shall be specified in the application form and following documents shall be submitted alongwith the application form as evidence:

i. Birth certificate of the minor, or ii. School leaving certificate / Mark sheet issued by Higher Secondary Board of respective states,

ICSE, CBSE etc., or iii. Passport of the minor, or iv. Any other suitable proof evidencing the date of birth of the minor. v. In case of court appointed legal guardian, supporting documentary evidence shall be provided. vi. In case of natural guardian a document evidencing the relationship if the same is not available

as part of the documents submitted as per point. i - iv above.4. The following documents shall be submitted alongwith the application form as evidence for Date of

Birth of the First Applicant where the First Applicant is not a minor:i. PAN Cardii. Passportiii. Birth certificate issued by Municipal authorities or by Indian Embassy / Consulate PensionPay-

ment Orderiv. Matriculation or SSC certificatev. Domicile Certificate issued by the Governmentvi. Affidavit sworn before a magistrate confirming date of birth

5. Permanent Account Number (PAN) SEBI has made it mandatory for all applicants (in the case of application in joint names, each of the

applicants) to mention his/her permanent account number (PAN) irrespective of the amount of pur-chase. *Where the applicant is a minor, and does not possess his / her own PAN, he / she shall quote the PAN of his/ her father or mother or the guardian, signing on behalf of the minor, as the case may be. In order to verify that the PAN of the applicants (in case of application in joint names, each of the applicants) has been duly and correctly quoted therein, the applicants shall attach along with the purchase application, a photocopy of the PAN card duly self-certified along with the original PAN

Card. The original PAN Card will be returned immediately across the counter after verification *includes fresh/ additional purchase, Systematic Investment. Micro investment (including lumpsum & Micro SIP) & Investors residing in the state of Sikkim are exempt from the mandatory requirement of PAN proof submission however they are required to mandatorily submit PAN Exempt KYC Reference No (PEKRN) to Reliance Mutual Fund. Applications not complying with the above requirement may not be accepted/ processed. Additionally, in the event of any Application Form being subsequently rejected for mismatch / non-verification of applicant’s PAN details with the details on the website of the Income Tax Department, the investment transaction will be cancelled and the amount may be redeemed at the applicable NAV, subject to payment of exit load, if any.

Please contact any of the Investor Service Centres/ Karvy/ Distributors or visit our website www.reli-ancemutual.com for further details.

6. Prevention of Money Laundering and Know Your Client (KYC) In order to reduce hardship and help investors dealing with SEBI intermediaries, SEBI issued three circu-

lars - MIRSD/SE/Cir-21/2011 dated October 05, 2011, MIRSD/Cir-23/2011 dated December 02, 2011 and MIRSD/Cir-26/2011 dated December 23, 2011 informing SEBI registered intermediaries as mentioned therein to follow, with effect from January 01, 2012, a uniform KYC compliance procedure for all the investors dealing with them on or after that date. SEBI also issued KYC Registration Agency ( “KRA”) Regulations 2011 and the guidelines in pursuance of the said Regulations and for In-Person Verification (“IPV”).

All investors (individual and non- individual) are required for KYC compliance. However, applications should note that minors cannot apply for KYC compliance and any investment in the name of minors should be through a Guardian, who should be KYC compliant for the purpose of investing with a Mu-tual Fund. Also applicants/ unit holders intending, to apply for units currently holding units and operat-ing their Mutual Fund folios through a Power of Attorney (PoA) must ensure that the issue of PoA and the holder of the PoA must mention their KYC compliance status at the time of investment. PoA holders are not permitted to apply for KYC compliance on behalf of the issuer of the PoA, Separate procedures are prescribed for change in name, address, and other KYC related details, should the applicant desire to change such information,POS will extend the services of effecting such changes.

In line with the SEBI circular No. MIRSD/Cir-5/2012 dated April 13, 2012 and various other guidelines issued by SEBI on the procedural matters for KYC Compliances, the Investors are requested to note the following additional provisions shall be applicable for “KYC Compliances” with effect from December 1, 2012:1) In case of an existing investor of RMF and who is already KYC Compliant under the erstwhile

centralized KYC with CVL (CVLMF) then there will be no effect on subsequent Purchase/Addi-tional Purchase (or ongoing SIPs/STPs,etc) in the existing folios/accounts which are KYC compli-ant. Existing Folio holder can also open a new folio with Reliance Mutual Fund with the erstwhile centralized KYC

2) In case of an existing investor of Reliance Mutual Fund and who is not KYC Compliant as per our records, the investor will have to submit the standard KYC Application forms available in the website www.cvlkra.com along with supporting documents at any of the SEBI registered intermediaries at the time of purchase / additional purchase / new registration of SIP/STP etc. In Person Verification (IPV) will be mandatory at the time of KYC Submission. This uniform KYC submission would a onetime submission of documentation.

3) Investors who have complied with KYC process before December 31, 2011 (KYC status with CVL-KRA as “MF - VERIFIED BY CVLMF”) and not invested in the schemes of Reliance Mutual Fund i.e not opened a folio earlier, and wishes to invest on or after December 01, 2012, such investors will be required to submit ‘missing/not available’ KYC information and complete the IPV require-ments.

Updation of ‘missing / not available’ KYC information along with IPV is currently a one-time requirment and needs to be completed with any one of the mutual funds i.e. need not be done with all the mutual funds where investors have existing investments. Once the same is done then the KYC status at CVL-KRA will change to ‘Verified by CVL KRA’ after due verification. In such a scenario, where the KYC status changes to ‘Verified by CVL KRA’, investors need not submit the ‘missing/not available’ KYC information to mutual funds again.

Individual Investors are required to submit ‘KYC Details Change Form’ issued by CVL-KRA available on their website www.cvlkra.com.

In case of Non Individual investors, complied with KYC process before December 31, 2011, KYC needs to be done afresh due to significant and major changes in KYC requirements.

Investors to provide the complete details in the KYC application form along with the required docu-ments (for individual investors or non-individual investors as appropriate). The said form is available on RMF’s website i.e. www.reliancemutual.com or on the website of Association of Mutual Funds In India i.e. www.amfiindia.com or on the website of any authorised KRA’s.

7. In case of NRI/FII investors the Account Statements / Redemption Cheques / Other correspondence will be sent to the mailing address mentioned.

8. All applications are accepted subject to detailed scrutiny and verification. Applications which are not complete in all respects are liable for rejection, either at the collection point itself or subsequently after detail scrutiny/verification at the back office of the registrars.

III. BANK DETAILS:1. As per the SEBI guidelines, it is mandatory for investors to mention their bank account details in the

application form. In the absence of the bank details the application form will be rejected. 2. Purchase Application requests should necessarily mention the pay-in bank account details i.e bank

name, bank account number, bank branch used for issuing the payments to the fund. The first unit holder has to ensure that the subscription payment has to be made through his own bank account or through any of the bank account wherein he is one of the joint bank account holder. If this is not evidenced on the payment cheque/funds transfer/RTGS/NEFT request, demand draft etc given by the investor at the time of subscription then unit holder should attach necessary supporting documents as required by the fund like bank certificate, bank passbook copy, bank statement etc to prove that the funds are from a bank account held by the first unit holder only. If the documents are not submitted with the application the fund reserves the right to reject the application or call for additional details. In specific exceptional situations where Third Party payment is permitted like i.e (i) Payment by parents/ grandparents/ related persons on behalf of the minor (other than the registered guardian) in consid-eration of natural love and affection or as gift for value not exceeding Rs 50000 for each purchase (ii) Payment by employer on behalf of employee under Systematic Investment Plan (SIP) facility, or lump sum / one time subscription, through payroll deductions or deductions of expense reimbursements (iii) Payment by Corporate to its Agent/Distributor/Dealer (similar arrangement with principal-agent relationship), on account of commission/incentive payable for sale of its goods/services, in the form of the Mutual Fund Units through Systematic Investment Plans or lump sum / one-time subscription (iv) Custodian on behalf of an FII or a client. For the above mentioned cases KYC of the investor and the KYC of the person making the payment is mandatory irrespective of the amount. Additionally declaration by the person making the payment giving details of the bank account from which the payment is being made and the relationship with the beneficiary is also required to be submitted.

3. Direct Credit of Redemption / Dividend Proceeds / Refund if any -RMF will endeavor to provide direct / electronic credit for dividend / redemption payments into the investors bank account directly. In case the direct credit is not affected by the unitholder’s banker for any reason then RMF reserves the right to make the payment to the investor by a cheque / DD. If the electronic credit is delayed or not affected or credited to a wrong account, on account of incomplete or incorrect information, RMF will not be held responsible. Please provide the MICR Code/IFSC code on the right bottom of your Cheque for us to help you in future for ECS/NEFT credit of dividend and redemption payout.

4. RMF offers facility to register multiple bank accounts in the folio and designate one of the bank account as “Default Bank account”. Default bank account will be used for all dividend and redemption payouts unless investor specifies one of the existing registered bank account in the redemption request for receiving redemption proceeds. A new non – registered bank account specified in the redemption request for receiving redemption proceeds will not be considered and the redemption proceeds will by default be credited into the default Bank account. The investor will have to initially get the non registered bank account registered in the folio and then apply for the redemption request. Also if no registered bank account is mentioned at the time of redemption then by default the redemption proceeds will be credited into the default Bank account.

5. In accordance with the AMFI Best Practice Guideline Circular No. 17/2010-11 dated October 22, 2010 and Circular No. 39/ 2013-14 dated August 23, 2013 and to reduce operational risk, Investor(s) are re-quested to note that any one of the following documents shall be required to submit as a proof of Bank Account Details (for Redemption/Dividend), in case the cheque provided along with fresh subscription/new folio creation does not belong to the Bank Account Details specified in the application form for redemption / dividend paymentsw.e.f. March 1, 2014.a) Cancelled original cheque of the Bank Account Details with fi rst unit holder name and bank

account number printed on the face of the cheque; (or)b) Self attested copy of bank statement with current entries not older than 3 months; (or)c) Self attested copy of bank passbook with current entries not older than 3 months; (or)d) Bank Letter duly signed by branch manager/authorized personnel.

IV. INVESTMENT & PAYMENT DETAILS:1. Payment should be made by crossed cheques, /Demand Draft/payorder, favouring the scheme name Re

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and marked “Account Payee” payable locally in the city where the application is submitted. Post dated or outstation cheques/draft are not permitted. Application received with outstation cheque/demand draft shall be rejected. With a view to avoid fraudulent practices, it is recommended that investors may also make the payment instrument (cheque, demand draft, pay order, etc.) favoring either of the fol-lowing: (a) “XYZ Scheme A/c Permanent Account Number” (b) “XYZ Scheme A/c First Investor Name” (Investors are urged to follow the order of preference in making the payment instrument).

Investors from such centers, who do not have a facility to pay by local cheque, as there are no Col-lection Centres of RMF, will be permitted to deduct the actual DD commission’s charges. Documentary proof, thereof is to be attached, if not attached the AMC reserves the right to call for the same at a later date. The amount of the DD commission charges will be limited to the actual charges paid or DD charges of State Bank of India, whichever is lower. (Separate application form is required for investment in each plan/option.)

2. Please mention the application serial no. on the reverse of the cheque/demand draft tendered with the application.

3. In case the payment is made through Demand Draft or Bankers Cheque or Indian Rupee draft pur-chased abroad or from FCNR or NRE A/c, an Account Debit Certificate from the Bank issuing the draft, confirming the debit should be submitted. For subscription made by NRE / FCNR Account cheques, the application forms must be accompanied with a photocopy of the cheque or Account Debit Letter / Certificate from the bankers.

4. One time Bank mandate (OTM) facilitates the investor to register a debit Mandate with his banker which will contain a pre defined upper limit for the amount to be debited from his bank account for every Purchase Transaction done. If the investor is making payment through OTM facility registered in the folio, then he has to tick the relevant box and not attach any cheque along with the purchase request. The subscription amount will be debited from the bank account details as mentioned in the-OTMfacility opted by the investor.

4. TRANSACTION CHARGES1) In accordance with SEBI Circular No. IMD/ DF/13/ 2011 dated August 22, 2011, with effect from No-

vember 1, 2011, Reliance Capital Asset Management Limited (RCAM)/ RMF shall deduct a Transaction Charge on per purchase / subscription of Rs. 10,000/- and above, as may be received from new investors (an investor who invests for the first time in any mutual fund schemes) and existing investors. The distributors shall have an option to either “Opt-in / Opt-out” from levying transaction charge based on the type of product. Therefore, the “Opt-in / Opt-out” status shall be at distributor level, basis the product selected by the distributor at the Mutual Fund industry level. Such charges shall be deducted if the investments are being made through the distributor/ agent and that distributor / agent has opted to receive the transaction charges as mentioned below:

• For the new investor a transaction charge of Rs 150/- shall be levied for per purchase / subscription of Rs 10,000 and above; and

• For the existing investor a transaction charge of Rs 100/- shall be levied for per purchase / subscription of Rs 10,000 and above.

The transaction charge shall be deducted from the subscription amount and paid to the distributor/agent, as the case may be and the balance shall be invested. The statement of account shall clearly state that the net investment as gross subscription less transaction charge and give the number of units allotted against the net investment.

In case of investments through Systematic Investment Plan (SIP) the transaction charges shall be de-ducted only if the total commitment through SIP (i.e. amount per SIP installment x No. of installments) amounts to Rs. 10,000/- and above. In such cases, the transaction charges shall be deducted in 3-4 installments.

Transaction charges shall not be deducted if:(a) The amount per purchases /subscriptions is less than Rs. 10,000/-;(b) The transaction pertains to other than purchases/ subscriptions relating to new inflows such as

Switch/ STP/ /DTP/, etc.(c) Purchases/Subscriptions made directly with the Fund through any mode (i.e. not through any

distributor/agent).(d) Subscription made through Exchange Platform irrespective of investment amount.

2) RCAM will endeavor to check if the investor is an existing or a new investor to Mutual Fund. In case the investor is found to be an existing investor then transaction charges of Rs 100 will be applicable else the investor declaration will be considered and transaction charges will be levied accordingly.

3) If the investor has not ticked / not signed the declaration then by default investor will be treated as an existing investor and transaction charges of Rs 100 will be deducted for investment of Rs. 10000 and above.

V. NOMINATION FOR UNITS HELD IN PHYSICAL MODE:1. Nomination facility is available to individuals applying on their own behalf i.e. singly or jointly. Nomina-

tion is mandatory for folios opened by individuals with single mode of holding.2. Multiple nominee (Resident, NRI, Including Minor) can be nominated. Nomination can also be in favour

of the Central Government, State Government, a local authority, any person designated by virtue of his office or a religious or charitable trust.

3. Nomination of an NRI is subject to requirements, if any, prescribed by RBI and SEBI from time to time.4. Nomination can be changed at any time during the currency of the investment by the same persons

who have made the nominations.5. Unitholder being either parent or lawful guardian on behalf of a minor shall have no right to make any

nomination.6. The nominee shall not be a trust (other than a religious or charitable trust), society, body corporate,

partnership firm, karta of HUF or power of attorney holder.7. On registration of nomination a suitable endorsement shall be made on the statement of account or in

the form of a separate letter.8. The facility of nomination is available to a unitholder under SEBI (MFs) Regulations and guidelines is-

sued by SEBI from time to time.9. Nomination in respect of units stands rescinded, upon the transfer of units.10. On cancellation of nominations, the nomination shall stand rescinded and RMF shall not be under any

obligation to transfer the units in favour of the nominee 11. Where a nomination in respect of any unit has been made, the units shall, on the death of the

unitholder(s), vest in the nominee and on compliance of necessary formalities the nominee shall be is-sued a SOA in respect of the units so vested subject to any charge or encumbrance over the said units. Nominee would be able to hold the units provided he is otherwise eligible to become a unitholder of the scheme.

12. Where there are two or more unitholders one of whom has expired the title to units shall vest in the surviving unitholder(s) who may retain the nomination or change or cancel the same. However, nonex-pression of desire to change or substitute the nominee by surviving unitholder shall be deemed to be the consent of surviving unitholder for the existing nomination.

13. Transmission made by the AMC as aforesaid, shall be a full discharge to the AMC from all liabilities in respect of the said units. For further details please refer SAI.

14. In case of a Zero Balance Folio Holder, nomination mentioned in Zero Balance Folio form shall be taken as default unless Scheme specific nomination has been made.

15. Where a folio has joint holders, all joint holders should sign the request for Nomination/cancellation of nomination, even if the mode of holding is not “joint”

16. Power of Attorney (POA) holder cannot sign the Nomination form.17. Nomination is not allowed in a folio held on behalf of a minor.18. If the investor does not fill in the nomination details under Point no - 12 of the Application form then by

default it shall be treated as his consent not to register the nomination in the folio/account.19. Nomination is maintained at the folio level and not at the scheme level. If the investor fills in a fresh

application form with new Nominee Name than the same shall supercede the existing nominee details in the folio.

VI. Communication for the investors. : In accordance with SEBI Circular No. Cir/ IMD/ DF/16/ 2011 dated September 8, 2011 and SEBI Circular

no. CIR/MRD/DP/31/2014 dated November 12, 2014 the investor whose transaction hasbeen accepted by the RCAM/RMF shall receive a confirmation by way of email and/or SMS within 5 Business Days from the date of receipt of transaction request, same will be sent to the Unit holders registered e-mail address and/or mobile number.

Thereafter, a Consolidated Account Statement (“CAS”) shall be issued in line with the following proce-dure:1. Consolidation of account statement shall be done on the basis of PAN. In case of multiple hold-

ing, it shall be PAN of the first holder and pattern of holding.2. The CAS shall be generated on a monthly basis and shall be issued on or before 10th of the

immediately succeeding month to the unit holder(s) in whose folio(s) transaction(s) has/have taken place during the month.

3. In case there is no transaction in any of the mutual fund folios then CAS detailing holding of investments across all schemes of all Mutual Funds will be issued on half yearly basis [at the end of every six months (i.e. September/ March)]

4. Investors having MF investments and holding securities in Demat account shall receive a Con-solidated Account Statement containing details of transactions across all Mutual Fund schemes and securities from the Depository by email / physical mode.

5. Investors having MF investments and not having Demat account shall receive a Consolidated Account Statement from the MF Industry containing details of transactions across all Mutual

Fund schemes by email / physical mode. The word ‘transaction’ shall include purchase, redemption, switch, dividend payout, dividend reinvest-

ment, systematic investment plan, systematic withdrawal plan and systematic transfer plan transac-tions.

CAS shall not be received by the Unit holders for the folio(s) wherein the PAN details are not updated. The Unit holders are therefore requested to ensure that the folio(s) are updated with their PAN. For Micro SIP and Sikkim based investors whose PAN details are not mandatorily required to be updated Account Statement will be dispatched by RCAM/RMF for each calendar month on or before 10th of the immediately succeeding month.

In case of a specific request received from the Unit holders, RCAM / RMF will provide the account state-ment to the investors within 5 Business Days from the receipt of such request.

(iv) It is mandatory for NRI Investors to provide a valid email id and or mobile number. The same shall be required for opening a new folio / zero balance folio.In absence of valid email id and /or mobile number, RCAM reserves the right to reject the application.

VII. SEBI circular of June 30, 2009 on removal of entry load In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no entry load will be

charged by the Scheme to the investor effective August 1, 2009. Upfront commission shall be paid di-rectly by the investor to the AMFI registered Distributors based on the investors’ assessment of various factors including the service rendered by the distributor

VIII. Benefits1. Mobile No.: Get alerts on the move for Purchase, Dividend or Redemption, SIP Debit alert after it reflects

in your account or two days prior to SIP debit2. E-Mail ID: The Account Statement will be e-mailed instantly to your registered email address as and

when you transact with Reliance Mutual Fund. 3. IFSC/MICR Code: With Reliance E-dividend you can have your dividend credited in your account through

the Electronic Clearing Service (ECS) / National Electronic Fund Transfer (NEFT).IX. MICRO investment (including lumpsum & Micro SIP)1. In line with SEBI letter no. OW/16541/2012 dated July 24, 2012 addressed to AMFI, Investments in the

mutual fund schemes {including investments through Systematic Investment Plans (SIPs)} up to Rs. 50,000/- per investor per year shall be exempted from the requirement of PAN.

Accordingly, for considering the investments made by an investor up to Rs. 50,000/-, an aggregate of all investments including SIPs made by an investor in a Financial Year i.e. from April to March, shall be considered and such investors shall be exempted from the requirement of PAN. However, require-ments of Know Your Customer (KYC) shall be mandatory and investors seeking the above exemption of PAN will need to submit the PAN Exempt KYC Reference No (PEKRN) acknowledgement issued by KRA along with the application form.

This exemption is applicable only for individuals including NRIs, minors acting through guardian, Sole proprietorship firms and joint holders*. Other categories of investors e.g. PIOs, HUFs, QFIs, non - indi-viduals, etc. are not eligible for such exemption.

* In case of joint holders, first holder must not possess a PAN. Investors are requested to note that, incase where a lump sum investment is made during the financial

year and subsequently a fresh SIP mandate request is given where the total investments for that finan-cial year exceeds Rs. 50,000/-, such SIP application shall be rejected.

In case where a SIP mandate is submitted during the financial year and subsequently a fresh lumpsum investment is being made provided where the total investments for that financial year exceeds Rs. 50,000, such lump sum application will be rejected.

Redemptions if any, in the Micro Investment folio, shall not be considered for calculating the exemption limit for such financial year. Consolidation of folio shall be allowed only if the PEKRN in all folios is same along with other investor details.

2. In case the first Micro SIP installment is processed and the application is found to be defective, the Micro SIP registration will be ceased for future installments. No refunds to be made for the units already allotted. Investor will be sent a communication to this effect. However, redemptions shall be allowed.

X. Units held in the dematerialised form1. With effect from October 1, 2011, in accordance with SEBI Circular No. IMD/DF/9/2011 dated May 19,

2011, an option to subscribe/hold the units of the Scheme(s)/Plan(s) of RMF in dematerialized (demat) form is being provided to the investors in terms of the guidelines/ procedural requirements as laid by the Depositories (NSDL/CDSL) / Stock Exchanges (NSE / BSE) from time to time.

2. The Unit holders are given an Option to hold the units by way of an Account Statement (Physical form) or in Dematerialized (‘Demat’) form. Unit holders opting to hold the units in demat form must provide their Demat Account details in the specified section of the application form. The Unit holder intending to hold the units in Demat form are required to have a beneficiary account with the Depository Participant (DP) (registered with NSDL / CDSL as may be indicated by RMF) and will be required to indicate in the application the DP’s name, DP ID Number and the beneficiary account number of the applicant with the DP. Applicants must ensure that the sequence of names and other details like Client ID, Address and PAN details as mentioned in the application form matches that of the account held with the Deposi-tory Participant. Only those applications where the details are matched with the depository data will be treated as valid applications. If the details mentioned in the application are incomplete/incorrect, not matched with the depository data, then units will be allotted in the physical mode and an Account Statement shall be sent to them. Such investors will not be able to trade on the stock exchange till the holdings are converted in to demat form.

3. Unit Holders opting the units in the demat mode , can submit redemption/switch only through DP or through stock exchange platform.

4. Unit holders opting for investment in demat mode can not opt for facilities like STP, DTP, SWP, Trigger, ATM, Salary Advantage & Smart Step.

5. In case, the Unit holder desires to hold the Units in a Dematerialized /Rematerialized form at a later date, the request for conversion of units held in non-demat form into Demat (electronic) form or vice-versa should be submitted alongwith a Demat/Remat Request Form to their Depository Participants.

6. Units held in demat form will be transferable (except in case of Equity linked Savings Schemes).7. Demat facility will not be available for Daily, Weekly & Fortnightly Dividend plans / options for all the

schemes of RMF except Reliance Liquid Fund, Reliance Ultra Short Duration Fund, Reliance Money Market Fund & Reliance Low Duration Fund.

XI. Employee Unique Identification Number (EUIN) would assist in tackling the problem of misselling even if the employee/relationship manager/sales person leave the employment of the distributor.

XII. a. Foreign Account Tax Compliance Act (“FATCA”): In accordance with the relevant provisions of the Foreign Account Tax Compliance Act (“FATCA”) as contained in the United States Hiring Incentives to Restore Employment (“HIRE”) Act, 2010, there is a likelihood of withholding tax being levied on cer-tain income/ receipt sourced from the subjects of United States of America (“US”) with respect to the schemes, unless such schemes are FATCA compliant. In this regard, the respective governments of India and US have agreed on the principal terms of a proposed Inter-Governmental Agreement (IGA) and the same is likely to be executed in near future. In terms of this proposed IGA, Reliance Mutual Fund (“RMF”) and/ or Reliance Capital Asset Management Limited (“RCAM”/ “AMC”) are likely to be classifi ed as a “Foreign Financial Institution” and in which case RMF and/ or RCAM would be required, from time to time, to (a) undertake the necessary due-diligence process; (b) identify US reportable ac-counts; (c) collect certain required information/ documentary evidence (“information”) with respect to the residential status of the unit holders; and (d) directly or indirectly disclose/report/ submit such or other relevant information to the appropriate US and Indian authorities. Such information may include (without limitation) the unit holder’s folio detail, identity of the unit holder, details of the benefi cial own-ers and controlling persons etc. In this regard and in order to comply with the relevant provisions under FATCA, the unit holders would be required to fully cooperate & furnish the required information to the AMC, as and when deemed necessary by the latter in accordance with IGA and/ or relevant circulars or guidelines etc, which may be issued from time to time by SEBI/ AMFI or any other relevant & ap-propriate authorities. The applications which do not provide the necessary information are liable to be rejected. The applicants/ unit holders/ prospective investors are advised to seek independent advice from their own fi nancial & tax consultants with respect to the possible implications of FATCA on their investments in the scheme(s).

b. Details under FATCA/Foreign Tax Laws: Tax Regulations require us to collect information about each investor’s tax residency. In certain circumstances (including if we do not recive a valid self-certifi-cation from you) we may be obliged to share information on your account with relevant tax authorities. If you have any questions about your tax residency, please contact your tax advisor. Should there be any change in information provided, please ensure you advise us promptly, i.e., within 30 days. If you are a US citizen or resident or greencard holder, please include United States in the foreign country information field along with your US Tax Iedntification Number. Foreign Account Tax compliance provi-sions (commonly known as FATCA) are contained in the US Hire Act 2010.

c. If you are classified as a passive NFFE for FATCA purpose, please include in the section relating to Ultimate beneficial Owner (UBO), details of any specified US person having controlling interest in the foreign country information field along with your US Tax Identification Number for FATCA purposes. Foreign Account Tax Compliance provisions (commonly known as FATCA) are contained in the US Hire Act 2010.

d. Declaration under FATCA

INSTRUCTIONS TO HELP YOU COMPLETE THE MAIN APPLICATION FORM

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(Lumpsum / existing SIP) shall be switched automatically from Wealth Creation Scheme to Income Generation Scheme (with nil exit load) at any date as specified by the investor which is within or after the lockin period. In case the Auto transfer option is selected and date is not specified in the application, auto transfer will happen on 5th working day of the following month upon completion of investor’s 50 years of age. b) The balance SIP installments under existing registration after auto transfer will continue in Income Generation Scheme. c) If an investor does not opt for auto transfer, the existing and incremental investment will continue in Wealth Creation Scheme or Income Generation Scheme as selected by the investor. d) Even if an investor opts for auto transfer, incremental lumpsum investment or new registration of SIP can be done either in Wealth Creation or Income Generation Scheme as selected by the investor. e) If an investor beyond 50 year of age enters the scheme and opts for auto transfer facility, then it is compulsory for the investor to mention the date for auto transfer, else the auto transfer facility will not be activated. f) Auto Transfer facility shall not be available for Units held in Demat mode.

XV. Auto SWP Facility: a) This optional facility aims to provide a regular inflow of money to investors (monthly/quarterly/annual) by automatic redemption of units on or after 60 years of age. b) Auto SWP shall be either on a monthly or a quarterly or annual frequency as mandated by the investors in application form c) Minimum Amount for Auto SWP: i) Monthly Frequency: Rs. 500 & in multiples of Re 500 thereafter. ii) Quarterly Frequency: Rs. 1,500 & in multiples of Re.500 thereafter. iii) Annual Frequency: Rs.5,000 & in multiples of Re.500 thereafter Auto SWP shall start from the 1st/8th/15th/22nd transaction day of the month/quarter/year as specified by the investor followed by the month in which the investor completes 60 years or age after completion of 5 year lock in period, whichever is later. d) Auto SWP will automatically cease in case the unit balance becomes nil after such redemption / switch transaction or falls below the required amount specified by the investor for Auto SWP. e) Auto SWP facility shall not be available for Units held in Demat mode. f) RCAM/Trustees reserve a right to change the Auto SWP day.

XVI. If the investor registers for both Auto Transfer and Auto SWP facilities in Wealth Creation Scheme then post execution of Auto Transfer, Auto SWP shall get processed from Income Generation scheme upon investor completing 60 years of age.

XVII. Product Label : Investors are requested to review product label for the scheme which is provided below at the time of investments.

Reliance Retirement Fund - Wealth Creation Scheme

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

Reliance Retirement Fund - Income Generation Scheme

*Investors should consult their financial advisers if in doubt about whether the product is suitable for them.

This product is suitable for investors who are seeking*:

Product Label

• Income over long term along with capital growth• Investing primarily in fixed income securities and balance in equity and equity related instruments so as to help the investor in achieving the retirement goals.

This product is suitable for investors who are seeking*:

Product Label

• Long term growth and capital appreciation• Investing primarily in Equity and equity related instruments and balance in fixed income securities so as to help the investor in achieving the retirement goals.

a) the information provided in the Form is in accordance with section 285BA of the Income Tax Act, 1961 read with Rules 114F to 114H of the Income tax Rules, 1962.

b) the information provided by me/us in the Form, its supporting Annexures as well as in the documentary evidence provided by me/us are, to the best of our knowledge and belief, true, correct and complete and that I/we have not withheld any material information that may affect the assessment/categorization of the account as a Reportable account or otherwise.

c) I/We permit/authorise the Company to collect, store, communicate and process information relating to the Account and all transactions therein, by the Company and any of its affiliates wherever situated including sharing, transfer and disclosure between them and to the authorities in and/or outside India of any confidential information for compliance with any law or regulation whether domestic or foreign.

d) I / We undertake the responsibility to declare and disclose within 30 days from the date of change, any changes that may take place in the information provided in the Form, its supporting Annexures as well as in the documentary evidence provided by us or if any certification becomes incorrect and to provide fresh self certification alongwith documentary evidence.

e) I / We also agree that our failure to disclose any material fact known to us, now or in future, may invalidate our application and the Company would be within its right to put restrictions in the operations of my/our account or close it or report to any regulator and/or any authority designated by the Government of India (GOI) /RBI for the purpose or take any other action as may be deemed appropriate by the Company if the deficiency is not remedied by us within the stipulated period.

f) I / We hereby accept and acknowledge that the Company shall have the right and authority to carry out investigations from the information available in public domain for confirming the information provided by me / us to the Company.

g) It shall be my / our responsibilities to educate myself / ourself and to comply at all times with all relevant laws relating to reporting under section 285BA of the Act read with the Rules thereunder.

h) I/We also agree to furnish such information and/or documents as the Company may require from time to time on account of any change in law either in India or abroad in the subject matter herein.

i) I/We shall indemnify the Company for any loss that may arise to the Company on account of providing incorrect or incomplete information.

XIII. Acceptance of Cash investments in schemes of Reliance Mutual Fund. The Details / Process and conditions for acceptance of such investments are as follows:

Eligible investors: The facility is available only for below mentioned category of investors who are KRA-KYC compliant and have a bank account: • Resident Individuals. • Minors (investing through Guardian) • Sole Proprietorships. Subscription Limit: In line with the SEBI guidelines, currently subscription through cash can be accepted

only upto Rs. 50,000/- per investor, per fi nancial year. Limit would be tracked on the basis PAN or PEKRN issued by KRA.

Mode of Acceptance of Application: Applications for Subscription through Cash shall be accepted only in the physical form at any of the Designated Investor Service Centres (DISC) of RMF.

Cash Collection Facility: RMF has made arrangement with Axis Bank Limited to accept cash (along with the duly fi lled in Cash Deposit Slip) on behalf of RMF. The Bank shall act only as an aggregator for receipt of cash at the various Bank branches towards subscriptions under various schemes of RMF. The Bank would be remitting the cash collected to the Fund’s schemes usually by the next business day.

Procedure for Subscription through Cash: Investors willing to subscribe through cash as a payment mode will have to follow the below procedure:1. Collect the application form and Cash Deposit Slip (available in triplicate) from the Designated

Investor Service Centre (DISC) of RMF.2. Investor must fi rst submit the duly fi lled in application form, KYC / KRA acknowledgement and

duly fi lled Cash Deposit Slip at the DISC (copy for submission to RMF / RCAM).3. Branch executive shall time stamp the application form, RMF copy of Cash deposit slip and

acknowledgement portion available in the application form. Acknowledgement portion shall be returned to the investor as a confi rmation of receipt of application.

4. Investor will have to visit the nearest branch of Axis Bank Limited and deposit cash by using the Cash Deposit Slip collected from DISC, on the same day or latest by next business day. Else the application shall be liable for rejection.

5. Axis Bank Limited shall retain bank copy of the Cash Deposit slip and provide customer copy to the investor along with the acknowledgement of cash deposition.

NAV Applicability: For Liquid scheme(s): Applicability of NAV shall be based on receipt of application and also the

realization of funds in the Bank account of respective liquid scheme (and NOT the time of deposit of Cash in the Bank) within the applicable cut-off timing.

However, if the credit is received in the Bank account of liquid scheme but investor has not yet submitted the application form, units will be allotted as per receipt of application (timestamping)

For all scheme(s) other than liquid scheme(s): Applicability of NAV shall be based on receipt of application (as per time-stamping). Rejection of application: Application shall be rejected if:a. Subscription Limit is Exhausted: The amount of subscription through cash (including

the subscriptions made through cash during the fi nancial year) exceeds Rs. 50,000/-.b. Application is incomplete: Unit allotment for transactions accepted as DISCs of RMF is subject to

verifi cation at the time of fi nal processing. Application shall be liable for rejection if the same is found to be incomplete in any aspect.

Payment of Proceeds: Payment in the form of refunds, redemptions, dividend, etc. with respect to Cash investments shall be paid only through banking channel i.e. in the bank account registered in the folio.

Other important points:a. In case of mismatch in the amount mentioned in application form and cash deposited in

bank, units shall be allotted as per credit received from bank.b. Cash deposited but application not submitted: If cash is deposited directly at branch of Axis

Bank Limited and application is not submitted at DISC of RMF, amount shall be refunded to investor based on receipt of following documents:

• Existing Investor: Request letter, Bank acknowledged deposit slip copy.• New Investor: Request letter containing the bank details in which the refund needs to be

issued, bank acknowledged deposit slip copy and PAN card copy or any other valid id proof. Investors are requested to note that subscription through this mode shall be accepted subject to

compliance with Prevention of Money Laundering Act, 2002 and Rules framed thereunder, SEBI Guidelines for the same and such other AML rules, regulations and guidelines as may be applicable from time to time.

XIV. Auto Transfer Facility: a) Auto Transfer is an optional facility wherein investors’ entire investment

Points to rememberPlease ensure that:1. Your Application Form is complete in all respect, Name, Address & contact details are mentioned in full, signed by all applicants.2. Bank Account Details are entered completely and correctly. Permanent Account Number (PAN) of all the applicants are mandatory. (Refer instruction no. II-5) 3. For KYC please Refer instruction no. II-6 & for PAN Exempt KYC Refer instruction no. IX4. Appropriate Scheme Name, Plan & Option is mentioned clearly.5. The Cheque / DD is drawn in favour of “Reliance ............ ”(chosen scheme) dated and dully signed.6. Application Number is mentioned on the reverse of the Cheque / DD.7. Documents as listed alongside are submitted along with the Application (as applicable to your specific case).8. Your emailid or mobile number is updated.9. Your IFSC code / MICR code is updated in order to get electronic payouts in to your bank account.

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Agra: Block No. 50, Anupam Plaza, Opp FCI, Sanjay Place, Agra - 282002. Agartala: 2nd Floor, OM Niwas, Netaji Chowmuhani, Agartala, Tripura West, 799001 Ahmedabad: 4th Floor, Megha House, Mithakhali, Law Garden Road, Ellis Bridge, Ahmedabad - 380006. Ahmedabad: Shop No.124, First Floor, Gala Magnus, Gala Gymkhana Road, South Bopal, Bopal, Ahmedabad - 380058. Ahmednagar: Office No 101, 1st Floor, Gajanan Apartment, Opposite Zopadi Canteen, Savedi Road, Ahmednagar - 414001. Ajmer: 2nd Floor, India Heights, India Motor Circle, Kutchery Road, Ajmer - 305001. Aligarh: 1st Floor, B - 101, Center Point Market, Samad Road, Aligarh - 202001. Allahabad: 2nd Floor, House No. 31/59, Shiv Mahima Complex, Civil Lines, Allahabad - 211001. Alwar: 2nd Floor - 201, Raghu Marg, Opp Govt Children Hospital, Alwar - 301001. Ambala: Shanti Complex, 4307/12, 2nd Floor, Opp. Civil Hospital Jagadhari Road, Ambala - 133001. Amravati: Vimaco Towers, C Wing 4,5,6, Amravati - 444601. Amritsar: SF-1, 4th Floor, 10, Eminent Mall, The Mall, Amritsar - 143001. Anand: 2nd Floor, 204, Maruti Sharnam, Anand Vidhyanagar Road, Anand - 388001. Asansol: 4th Floor, Chatterjee Plaza, 69 (101) G T Road, Rambandhu Tala, Asansol - 713303. Aurangabad: C-8,2nd Floor,Aurangabad, Business center,Adalat Road,Aurangabad - 431001. Bangalore: NG-1 & 1A, Ground Floor, Manipal Centre, 47, Dickenson Road, Bangalore - 560042. Bangalore: Ground Floor, 31/2, 8th E Main, 4th Block, Jayanagar (Near Jayanagar Post Office), Bangalore-560011. Bangalore: Unit No.104, Woodstock Business Centre, 2nd Floor, The Twin Oaks, SY No.1/5, (Above Marigold Restaurant), Nallurahalli, Whitefi eld, Bangalore-560066. Bardoli: 1st Floor, Office No 68,69,70, Mudit Palace, Station Road, Bardoli - 394601. Bareilly: 1st Floor, 54, Civil Lines, Ayub Khan Chauraha, Bareily - 243001. Balasore: 2nd Floor, Vibekananda Marg, Near Shyam Agencies, Chidia Polo, Balasore - 756001. Berhampur: 1st Floor, Uma Mahal, Dharmanagar, Main Road, Berhampur, Dist Ganjam, Odisha-760002. Belgaum: 1st Floor, Shree Krishna Towers, RPD Cross No 14, Khanapur Road, Tilakwadi, Belgaum - 560009. Bharuch: D 118-119, R K Casta, Nr. Hotel Shethna Plaza, Station Road, Bharuch - 392001. Bhatinda: Jindal Complex, 2nd Floor, G T Road, Bathinda - 151001. Bhavnagar: 3rd Floor, Corporate House, Plot No. 11B, Waghawadi Road, Bhavnagar - 364004. Bhilai: 2nd Floor, Priyadarshani Panisar, above dominos pizza, Nehru Nagar, Near Railway Crossing, Bhilai - 490020. Bhilwara: 1st Floor, B Block, Shop No 21, S K Plaza, Pur road, Bhilwara - 311001. Bhopal: 133, Kay Kay Business Center, 1st Floor, Above Citibank, Zone 1 - MP Nagar, Bhopal - 462011. Bhubaneswar: 2nd Floor, Near Kalsi Petrol Pump, 5 - Janpath Karvil Nagar, Bhubaneshwar - 751001. Bhuj: 1st Floor, Office No 105, Krishna Chambers, “B”, Station Road, Above SBI, Bhuj - 370001. Bikaner: 1st Floor, Shop No 26 & 27, Silver Square, Rani Bazar, Bikaner - 334001. Bilaspur: 1st Floor, Krishna, Sonchhatra Compound, Shiv Talkies – Tarbahar Road, Near RNT Square, Bilaspur - 495004. Bokaro: GB-20, City Center, Sector - 4, Bokaro - 827004. Calicut: 6/1002M, 4th Floor, City Mall, Kannur Road (Opp Y.M.C.A), Calicut - 673001. Chandigarh: 1st Floor, SCO No. 449-450, Sector 35-C, Chandigarh - 160034. Chennai: 2nd Floor, No.50, N.B Road (North Boag Road), T. Nagar, Chennai - 600017. Chennai: Shop No. 3, Ground Floor, Anu Arcade, No. 1, 15th Cross Street, Shashtri Nagar, Adyar, Chennai - 600020. Chennai: No. 338/7, First Floor, New Sunshine Apartment, Second Avenue, Anna Nagar, Chennai - 600040. Cochin: 3rd Floor, Chicago Plaza, Rajaji Road, Ernakulam, Cochin - 682035. Coimbatore: Ahuja Towers, 2nd Floor, 42/15, T.V.Swamy Road (West), R.S. Puram, Coimbatore - 641002. Cuttack: 3rd Floor, City Mart, B.K.Road, Cuttack - 753001. Dadar: Ground Floor, Shop No 2, “Angelique”, Next to Bank of Maharashtra, Gokhale Road North, Dadar (West), Mumbai 400028. Dehradun: 2nd Floor, NCR Corporate Plaza, New Cantt Road, Dehradun - 248001. Dhanbad: 4th Floor, Shree Laxmi Complex, Bank Mode, Dhanbad - 826001. Dindigul: 2/2, 1st Floor, Surya Tower, Above ICICI Bank, Salai Road, Dindigul - 624001. Durgapur: Plot No 848, City Centre, Near Rose Valley Hotel, 2nd Floor, Durgapur - 713216. Faridabad: SCF-41, Ground Floor, Near SBI Bank, Sector-19 Market Part-1, Faridabad-121002. Firozabad: 1st Floor, Plot No 9/1, Raniwala Market, Agra Road, Above UCO Bank, Firozabad - 283203. Gandhinagar: 107, 1st Floor, President Complex, Sector: 11, Gandhinagar - 382011. Gaya: Zion Complex, Ground Floor, Opp Fire Brigade Station, Swaraj Puri Road, Gaya - 823001. Ghaziabad: Reliance Life Insurance, J-3, 2nd Floor, Krishna Plaza, Raj Nagar, Ghaziabad - 201001. Gorakhpur: 4th Floor, Cross Road Mall, Bank Road, Gorakhpur - 273001. Guntur: Pranavam Plaza, Door No. 5-35-69, 4/9, Brodipet, Guntur - 522002. Gujarat: 102, First Floor, Shree Ambika Arcade, Above Karur Vysya Bank, Plot No. 300, Ward 12/B, Near HDFC Bank, Gandhidham - 370201. Gurgaon: Shop no: 28, Ground Floor, Vipul Agora Building, M. G Road, Gurgaon – 122001. Guwahati: 2E, 2nd Floor, Dihang Arcade, ABC, Rajiv Bhavan, G S Road, Guwahati - 781005. Gwalior: 3rd Floor, Alaknanda Tower, City Centre, Gwalior - 474002. Haldwani: 2nd Floor, Block B, Durga City Centre, Haldwani - 263139. Himmatnagar: Office No 1, Ground Floor, Rajkamal Chambers, Near LIC, Highway Road, Polo Ground, Vistar, Himmatnagar - 383001. Hissar: SCO - 187, 1st Floor, Red Square Market, Hissar - 125001 Howrah: Jai Mata Di Tower, 4th Floor, 21, Dobson Road, Howrah - 711101. Hubli: No. 6, Upper Ground Floor, Aalishan, Travellers Bungalow Road, Deshpande Nagar, Hubli - 580029. Hyderabad: Second Floor, Gowra Klassic, 1-11-252/6&7/A&B, behind Shoppers Stop, Begumpet - 500016. Hyderabad: Shop No.1,First Floor, Shristi Towers, Opp.Karachi Bakery, Beside NIFT College, Hi Tech City Road, Madhapur, Hyderabad-500081. Ichalkaranji: 2nd Floor, Suyog Chambers, Ward No 16, H No 1545, Ichalkaranji – Kolhapur Main Road, Near Central Bus Stand, Ichalkaranji - 416115. Indore: 303 & 304, D M Towers, 21/1 Race Course Road, Near Janjirwala Square, Indore - 452001. Jabalpur: 1st Floor, Raj Leela Tower, 1276 Wight Town, Allahabad Bank, Jabalpur - 482001. Jaipur: 1st Floor, Ambition Tower, Above SBBJ Kohinoor Branch, D-46, Agrasen Circle, Subhash Marg, C Scheme, Jaipur - 302001. Jalandhar: 2nd Floor, Shanti Tower, SCO no.37, PUDA Complex, Opposite Tehsil Complex, Jalandhar - 144001. Jalgaon: Ground Floor, Shop No 3, Laxmi Plaza, Gujarathi Lane, Visanji Nagar, Jalgaon - 425001. Jammu: Banu Plaza, B-2, 206, South Block, Railway Head, Jammu - 180001. Jamnagar: Shop no. 2, 3, 4 & 5, Ground Floor, Shilp, Indira Nagar, Jamnagar - 361140. Jamshedpur: Office No. 310 ,3rd Floor, Yashkamal Complex, Bistupur , Jamshedpur - 831001. Janakpuri: Ground Floor, Shop No 31, B Block, Community Centre, Janakpuri - 110058. Jhansi: 1st Floor, DP Complex, Elite, Sipri Road, Jhansi - 284001. Jodhpur: E-4, First Floor, Suvidha Complex, Shastri Nagar, Kalpatru Shopping Center, Jodhpur - 324001. Junagarh: Shop No 10, Raiji Nagar, Shopping Complex, Opposite Moti Palace, Junagarh - 362001. Kalyan: Shop No 4, Gr Floor, Santoshi Mata road, Mahavir Complex, Kalyan (W) - 421301. Kalyani: 1st Floor, B-8/25 (CA), Nadia, Kalyani - 741235. Kangra: Ground Floor, Shop No 3018, War No 9, Above SBI, Kangra - 177103. Kanpur: Offi ce No 5, Ground fl oor, KAN Chamber, 14/113 Civil Line, Kanpur - 208001. Karnal: SCO 364, Ground Floor, Moughal Canal Market, Karnal - 132001. Kharagpur: Atwal Real Estate, M S Towers, O T Road, INDA, Kharagpur - 721305. Kolhapur: 1st Floor, Office No 101,102, Haripriya Plaza, Rajaram Road, Rajarampuri, Kolhapur - 416001. Karnataka: Reliance Mutual Fund, NO.164/3/4, (Beside Sri Kannikaparameswari Co-Operative Bank), First Floor, 3rd Main Road, P J Extension, Davangere, Karnataka - 577002. Kolkata: Unit no. 10,11 & 12, 5th Floor, FMC Fortuna, A J C Bose, Kolkata - 700020. Kolkata: 14B, 18, British Indian Street, GF Shop No. 14, Kolkata - 700001. Kolkata: B D 25, Salt Lake, Sector - 1, Kolkata - 700064. Kota: 1st Floor, Office No 1 & 2, Mehta Complex, Near Grain Mandi, 26, Jhalawar Road, Kota - 324007. Kottayam: 1st Floor, Pulimoottil Arcade, K K Road, Kanjikuzhy, Kottayam, Kerala – 686004. Lucknow: Ground Floor, Aslam Agha Complex, 5, Park Road, Thapper House, Hazaratganj, Lucknow - 226001. Ludhiana: 1st Floor, SCO 10-11, Feroze Gandhi Market, Ludhiana - 141001. Madurai: 1st Floor, Suriya Towers, 272, 273, Goods Shed Street, Madurai - 625001. Malleswaram: Door No.89 (Old no.36), Ground Floor, 3rd Cross, Sampige Road, Malleswaram, Banglore - 560003. Mangalore: UGI - 3 & 4, Upper Ground Floor, “Maximus Commercial Complex,” Light House Hill Road, Mangalore - 575001. Margao: Shop No. 3, Mira Building, Pajifond, Near Jain Mandir, Margao, Goa - 403601. Meerut: Ground Floor, G-14, Rama Plaza, Bachha Park, WK Road, Meerut - 250001. Mehsana: Reliance Mutual Fund, Jaydev Complex, 1st Floor, Near SBBJ Bank, Opposite P B Pump, Mehsana - 384002. Moradabad: Reliance Mutual fund, 8/8/49A, Near Raj Mahal Hotel, Civil lines, Moradabad, UP, Pin - 244001. Mumbai: Office No 304, Kshitij Building, 3rd Floor, Veera Desai Road, Opposite Andheri Sports Complex, Andheri (W), Mumbai - 400053. Mumbai: Office No 101, 1st Floor, Bhoomi Saraswathi, Ganjawala Lane Chamunda Circle, Borivali (W), Mumbai - 400092. Mumbai: Offi ce No 205/206, Pushp Plaza,Mavelpada Road, Above Snehanjali, Opp. Railway Station, Virar East - 401305. Mumbai: Office No. 203 & 204, 2nd Floor, Rupa Plaza, Jawahar Road, New BMC Office, Ghatkopar (E), Mumbai - 400077. Mumbai: 210, Mittal Tower, C Wing, 2nd Floor, Offi ce No 24, Nariman Point, Mumbai - 400021. Muzaffarnagar: 1st Floor, 139, Sarvat Gate North, Ansari Road, Muzaffarnagar - 251002. Muzaffarpur: 1st Floor, Opp Devi Mandir, Near LIC Zonal Offi ce, Club Road,Ramna, Muzaffarpur - 842002. Mysore: Shop No. 1, Ground Floor, Mahindra Arcade, Saraswathipuram, 2nd Main Road, Mysore - 570009. Nadiad: Offi ce No 109, 1st Floor, City Center, Near Paras Circle ,Nadiad – 387001. Nagpur: Office No 101, 1st Floor, Ramdaspeth, behind SBI Bank, Thapar Inclave 2, Nagpur - 440010. Nanded: Office No 10, 1st Floor, Sanman Prestige, Near Zilla Parishad, Nanded - 431601. Nashik: Office No 1, Bedmutha’s Navkar Height, New Pandit Colony, Sharanpur Road, Nashik - 422005. Navsari: Shop No 301, 3rd Floor, Landmark Mall, Sayaji Library, Navsari - 396445. New Delhi: 801 - 806, 810 - 812, 8th Floor, Prakashdeep Building, 7, Tolstoy Marg, New Delhi – 110001. New Delhi: Unit No 284, 2nd Floor, Aggarwal Millennium Tower - II, Netaji Subhash Place, Pitampura, New Delhi - 110034. Noida: Unit no. 101, 1st Floor, Chokhani Square, Plot No. P4, Sector -18, Noida - 201301. Panaji: 1st Floor, Block “D”, Office No F17, F18, F19 & F20, Alfran Plaza, Mahatma Gandhi Road, Panjim - 403001. Panipat: 1st Floor, Royal II, 1181, G T Road, Opposite Railway Road, Panipat - 132103. Pathankot: 2nd Floor, Choudhary Collections, SCO 11, Near ICICI Bank, Patel Chowk, Pathankot - 145001. Patiala: S.C.O. 44, Ist Floor, New Leela Bhawan Market, Patiala - 147001. Patna: C - 5, 1st Floor, Twin Tower Hathwa, South Gandhi Maidan, Patna - 800001, Bihar. Pune: 5th Floor, Guru Krupa, 1179/4, F.P. No. 554/4, Smruti, Modern College Road, Dnyaneshwar Paduka Chowk, Off FC Road, Pune - 411005. Pune: Ground Floor, Shop No A19, Empire Estate Building, A Premier City, Pimpri Chincwad, Pune – 411019. Pune: Ground Floor, Shop No 3, Gulmohar Apartment, Next to SBI, 2420 East Street, Camp, Pune – 411001. Punjab: 2nd Floor, B-XX / 214, Main Court Road, Hoshiarpur – 146001. Raipur: Ground Floor, Raj Villa, Near Ghadi Chowk, Civil Lines, Raipur – 492001. Rajahmundry: Door No : 6-8-7, First Floor, Upstairs of HDFC Bank, T-Nagar, Nidamarthi Vari Veedhi, Rajahmundry - 533101. Rajasthan: Shop No 6, Gali No 4, Nagpal Colony, opposite Bihani petrol pump, Sri Ganganagar, Rajasthan – 335001. Rajkot: 2nd Floor, Plus Point, Opp Haribhai Hall, Dr. Yagnik Road, Rajkot - 360001. Ranchi: Office No. 317, 3rd Floor, “Panchwati Plaza”, Kutchery Road, Ranchi - 834001. Rohtak: 2nd Floor, Ashoka Plaza, Delhi Road, Rohtak - 124001. Rourkela: 1st Floor, Plot no-308/1428 Udit Nagar Chowk, Rourkela - 769012. Sagar: 1st Floor, 10 Civil Lines, Yadav Complex, Sagar - 470002. Saharanpur: 1st Floor, Mission market, court road, Saharanpur - 247001. Salem: 2nd Floor, Kandaswarna Mega Mall, Survey No. 186/2E, Alagapuram, Opp Saradha College, Fairlands, Salem - 636016. Sambalpur: 1st Floor, Opposite SBI Budharaja Branch, PO: Budharaja, Dist:Sambalpur - 768004. Sangli: Ground Floor, Office No G 4, Siddhivinayak Forum Opp. Zilla Parishad, Miraj Road, Sangli - 416416. Satara: Ground Floor, Sai Plaza, Near Powai Naka, Satara - 415001. Shillong: First Floor, Crescens Bldg, M G Road, Shillong - 793001. Shimla: Fourth Floor, Bella Vella, The Mall, Shimla - 171001. Siliguri: Gitanjali Complex, 1st Floor, Sevoke Road, Siliguri - 734001. Solapur: 1st Floor, Office No 6, City Pride, 162, CTS No 8397, Railway Lines, Solapur - 413002. Sreerampore: 2nd Floor, 35, N. S, Avenue, Srerampore, Hooghly - 712201. Surat: No.118, 1st Floor, Jolly Plaza, Opp. Athwagate Police Chowki, Athwagate Circle, Surat - 395001. Thane: 106 Tropical Elite, 1st Floor, Above Indusind Bank, M.G. Road, Naupada, Thane West - 400602. Thrissur: 4th floor, Pathayapura Building, Round South, Thrissur - 680001. Tinsukia: Albs Commercial Complex, 2nd Floor S R Lohia Road, above ICICI Bank, Tinsukia - 786125. Tirupati: 1st Floor, 20-1-200A, Maruthi Nagar, Korlagunta, Tirumala By Pass Road, Tirupati - 517501. Trichy: Ground Floor, Plot No. D-27, Door No. D-27, 7thCross (East), Thillainagar, Tiruchirappalli - 620018. Trivandrum: 1st flr, Uthradam, Panavila Junction, Trivandrum - 695001. Udaipur: 1st Floor, Ridhi Sidhi Complex, Madhuban, Udaipur - 313001. Ujjain: Office No 304, Shape Arcade, Kalidas Marg, 116, Freeganj, Ujjain - 456001. Vadodara: Office No 304, 3rd Floor, KP Infinity Complex, Opposite Inox, Race Course, Vadodara - 390007. Vadodara: 3, Ground Floor, Earth Complex, Sangam Cross Road, Harni Road, Vadodara – 390006. Vadodara: FF7, Rutukalash Complex, Tulsidham Cross Road, Manjalpur, Vadodara – 390011 w.e.f May 02, 2018 Valsad: Office No 103, 1st Floor, Amar Chamber, Station Raod, Valsad - 396001. Vapi: 1st Floor, Royal Fortune, 102 b/b,102b/c, Daman Chala Road, Opp Upasna School, Vapi - 396191. Varanasi: unit no. 2, 1st floor, Arihant Complex, Sigra, Varanasi - 221010. Vasco: Shop No: 113 & 114, First Floor, Anand Chambers, Opposite SBI Branch, FL Gomes Road, Vasco Da Gama, Goa - 403802. Vashi: Shop no. 20, Ground Floor, Devrata Building, Plot no. 83, Sector 17, Vashi, Navi Mumbai – 400705. Vijayawada: 3rd Floor, Surya tower, Above Icon showroom, M G Road, Labbipet, Vijayawada - 520010. Visakhapatnam: First Floor, Somu Naidu Enclave, Dwaraka Nagar, 3rd Lane, Vishakhapatnam - 530016. Warangal: 2nd Floor, ABK Mall, 15 & 16, Ram Nagar, Hanamkonda, Warangal - 506002.

Agartala: Jagannath Bari Road, Bidur Karta Chowmuhani, Agartala - 799001. Agra: Deepak Wasan Plaza, Behind Holiday Inn, Opp Megdoot Furnitures, Sanjay Place, Agra - 282002 (U.P). Ahmedabad: 201, Shail Building, Opp : Madhusudhan House Nr. Navrangpura Telephone Exchange, Navrangpura, Ahmedabad - 380006. Ajmer: 1-2, II Floor Ajmer Tower, Kutchary Road Ajmer - 305001. Akola: Shop No-30, Ground Floor, Yamuna Tarang Complex, N.H. No. 06, Murtizapur Road, Akola - 444004. Aligarh: 1St Floor, Kumar Plaza, Aligarh - 202001. Allahabad: RSA Towers, 2nd Floor, Above Sony TV Showroom, 57, S P Marg, Civil Lines, Allahabad - 211001. Alleppy: 2nd Floor, JP Towers Near West Of zilla Court Bridge, Mullakkal, Alleppy - 688011. Alwar: 101, 1st Floor, Saurabh Towers, Opp. UTI, Road No # 2 Bhagat Singh Circle, Alwar - 301001. Amaravathi: Shop No. 13 & 27, First Floor Gulshan Plaza, Raj Peth, Badnera Road, Amaravathi - 444605. Ambala: 6349, Nicholson Road, Adjacent Kos Hospital, Ambala Cantt, Ambala - 133001. Amritsar: 72-A, Taylor’S Road, Aga Heritage, Gandhi Ground, Amritsar - 143001. Anand: F-6, Chitrangana Complex Opp: Motikaka Chawl, V V Nagar, Anand - 388001. Ananthapur: 15-149, 1st Floor, S. R. Towers,

DESIGNATED INVESTOR SERVICE CENTRES RELIANCE NIPPON LIFE ASSET MANAGEMENT LIMITED

KARVY COMPUTERSHARE PRIVATE LIMITED

Opp: Lalithakala Parishat, Subash Road, Anantapur - 515001. Ankleshwar: L/2, Keval Shopping Center, Old National Highway, Ankleshwar - 393002. Asansol: 114 / 71, G. T. Road Near Sony Centre, Bhanga Pachil, Asansol - 713303. Aurangabad: Ramkunj, Railway Station Road, Near Osmanpura Circle, Aurangabad - 431005. Azamgarh: 1st Floor Alkal Building, Opp. Nagaripalika Civil LIne, Azamgarh - 276001. Balasore: M S Das Street, Gopalgaon, Balasore - 756001. Bangalore: No : 51/25, 1st Floor, Surya Building Ratna Avenue, Richmond Road, Bangalore - 560025. Bankura: Ambika Market, Natunganj Bankura - 722101. Bareilly: 1st Floor, 165, Civil Lines, Opp. Hotel Bareilly Palace, Near Rly Station Road, Bareilly - 243001. Berhampore (WB): Thakur Market Complex, 72, Naya Sarak Road, Gorabazar, PO. Berhampore DIST. Murshidabad, Baroda: SB - 4 & 5, Mangaldeep Complex, Opposite Mesonic Hall. Productivity Road, Alkapuri, Vadodara - 390007. Begusarai: Hotel Diamond Surbhi Complex, Near I.O.C Township Gate, Kapasiya Chowk, Begusarai - 851117. Belgaum: CTS No 3939/ A2 A1, Above Raymonds Show Room, Beside Harsha Appliances Club Road, Belgaum - 590001.Bellary: No.1 Khb Colony, Gandhinagar, Bellary - 583101. Berhampur (OR): Ramlingam Tank Road, Berhampur - 760002. Betul: 107, Hotel Utkarsh, Awasthi Complex, J H College Road, Civil Lines, Beetul - 460001. Bhagalpur: 2nd Floor, Chandralok Complex, Ghantaghar, Radha Rani Sinha Road, Bhagalpur - 812001. Bharuch: 147-148, Aditya Complex Near Kasak Circle Bharuch - 392002. Bhatinda: #2047- A, 2nd Floor, Above Max New York Life Insurance, The Mall Road, Bhatinda - 151001. Bhavnagar: Surabhi Mall 301, 3rd Floor, Waghawadi Road, Bhavnagar - 364001. Bhilai: Shop No-1, First Floor Plot NO-1, Old Sada Office Block Commercial Complex, Near HDFC Atm, Nehru Nagar- East. Bhilwara: 27-28, 1St Floor, Hira-Panna Complex Pur Road, Bhilwara - 311001. Bhopal: Kay Kay Busniss Centre 133, Zone I, M P Nagar, Bhopal - 462011. Bhubaneswar: Plot No - 104 / 105 (P), Jaydev Vihar, Besides Hotel Pal Heights, Bhubaneswar - 751013. Bikaner: 2Nd Floor, Plot No 70 & 71, Panchshati Circle, Sardul Gunj Scheme, Bikaner - 334003. Bilaspur: Shop No 201/202, V. R. Plaza, Link Road, Bilaspur - 495001. Bokaro: B-1, 1St Floor, Near Sona Chandi Jewellers, City Centre, Sector - 4, Bokaro Steel City - 827004. Burdwan: 63 G T Road, Birhata, Halder Complex, 1St Floor, Burdwan - 713101. Calicut: Sowbhagya Shoping Complex, Areyadathupalam Mavoor Road, Calicut - 673004. Chandigarh: Sco-371-372; First Floor; Above Hdfc Bank; Sector 35B Chandigarh - 160022. Chandrapur: Shop No.5, Office No.2, 1St Floor, Routs Raghuvanshi Complex, Beside Azad Garden, Main Road, Chandrapur - 442402. Chennai: Flat No F11, First Floor, Akshya Plaza, (Erstwhile Harris Road), Opp Chief City Metropolitan Court, 108, Adhithanar Salai, Egmore. Chinsura: JC Ghosh Sarani, Near Bus Stand, Chinsura - 712101. Cochin: Building Nos. 39, Ali Arcade,1st Floor, Near Atlantis Junction, Kizhvana Road, Panampili Nagar, Cochin - 682036. Coimbatore: 1057/1058, Jaya Enclave, Avanashi Road, Coimbatore - 641018. Cuttack: Dargha Bazar, Opp. Dargha Bazar Police Station, Buxibazar, Cuttack - 753001. Darbhanga: Jaya Complex, 2nd Floor, above furniture planet, Donar chowk, Darbanga - 846003. Davangere: 15/9, Sobagu Complex, 1St Floor, 2Nd Main Road, P J Extension, Davangere - 577002. Dehradun: Kaulagarh Road, Near Sirmour Marg, Above Reliance Webworld, Dehradun - 248001. Deoria: 1St Floor, Shanti Niketan Opp. Zila Panchayat, Civil Lines, Deoria - 274001. Dewas: 27 Rmo House, Station Road, Dewas - 455001. Dhanbad: 208, New Market, 2Nd Floor, Katras Road, Bank More, Dhanbad - 826001. Dharwad: G7 & 8, Sri Banashankari Avenue Ramnagar, Opp Nttfpb Road, Dharward - 580001. Dhule: Ashoka Estate, Shop No. 14/A, Upper Ground Floor, Sakri Road, Opp. Santoshi Mata Mandir, Dhule - 424001. Dindigul: No.9, Old No. 4/B, New Agraharam, Palani Road, Dindigul - 624001. Durgapur: MWAV-16 Bengal Ambuja, 2nd Floor, City Centre, Durgapur - 713216. Eluru: D. NO: 23B - 5 - 93 / 1, Savithri Complex, Edaravari Street Near Dr. Prabhavathi Hospital, R. R. Pet, Eluru - 534002. Erode: No. 4, KMY Salai, Veerappan Traders Complex, Opp: Erode Bus Stand, Sathy Road, Erode - 638003. Faridabad: A-2B, 1st Floor, Nehru Ground, Neelam Bata Road, Nit, Faridabad - 121001. Ferozpur: 2nd Floor, Malwal Road, Opp. H.M. School, Ferozpur City -152002. Gandhidham: Office No. 203, Second Floor, Bhagwati Chamber, Plot No. 8 Sector - 1/A, Kutch Kala Road, Gandhidham - 370201. Gandhinagar: Plot No. 945/2, Sector - 7/C, Gandhinagar - 382007. Gaya: 1St Floor, Lal Bhawan, Tower Chowk, Near Kiran Cinema, Gaya - 823001. Ghaziabad: 1st Floor, C-7, Lohia Nagar, Ghaziabad - 201001. Ghazipur: Shubhra Hotel Complex, 2nd Floor, Mahaubagh, Ghazipur - 233001. Gonda: Shree Markit, Sahabgunj, Near Nuramal Mandir, Station Road, Gonda - 271001. Gorakhpur: Above V.I.P. House Ajdacent, A.D. Girls Inter College, Bank Road, Gorakpur - 273001. Gulbarga: CTS No. 2913, First Floor, Asian Tower Next To Hotel Aditya, Jagat Station Main Road, Gulbarga - 585105. Guntur: D No  6-10-27 10/1, Sri Nilayam, Arundelpet, Guntur - 522002. Gurgaon: Shop No. 18, Ground Floor, Sector - 14, Opp. AKD Tower, Near Huda Office, Gurgaon - 122001. Guwahati: 1st Floor, Bajrangbali Building, Near Bora Service Station, GS Road, Guwahati - 781007. Gwalior: Shindi Ki Chawani, Nadi Gate Pul, MLB Road, Gwalior - 474001. Haldwani: Above Kapilaz Sweet House, Opp LIC Building, Pilikothi Haldwani - 263139. Haridwar: 8, Govind Puri, Opp. LIC - 2, Above Vijay Bank, Main Road, Ranipur, More, Haridwar - 249401. Hassan: St. Anthony’s Complex Ground Floor, H N Pura Road, Hassan - 573201. Hissar: Sco 71, 1st Floor, Red Square Market, Hissar - 125001. Hoshiarpur: Ist Floor, The Mall Tower, Opp Kapila Hospital, Sutheri Road, Near Maharaj Palace, Hoshiarpur - 146001. Hubli: 22 & 23, 3rd Floor Eurecka Junction, T B Road, Hubli - 580029. Hyderabad: Karvy Selenium, Tower B, Plot Nos. 31 & 32, Financial District, Nanakramguda, Serillingampally Mandal, Hyderabad – 500032. Indore: G - 7, Royal Ratan Building, M. G Road, Opp. Kotak Mahindra Bank. Indore - 452010. Jabalpur: 43, Naya Bazar, opposite shyam talkies, Jabalpur (M.P.) - 482001. Jaipur: S-16 A, 3Rd Floor, Land Mark, Opposite Jaipur Club, Mahavir Marg, C- Scheme, Jaipur - 302001. Jalandhar: Lower Ground Floor, Office No : 3, Arora Prime Tower, Plot No : 28, G T Road, Jalandhar - 144 004. Jalgaon: 148 Navi Peth, Opp. Vijaya Bank Near. Bharat Dudhalay, Jalgaon - 425001. Jalpaiguri: D.B.C. Raod, Near Rupasree Cinema Hall, Beside Kalamandir, Po & Dist, Jalapiguri - 735101. Jammu: 29 D/C, Near Service Selection Commission Office, Gandhi Nagar, Jammu - 180004. Jamnagar: 108, Madhav Plaza, Opp SBI Bank, Near Lal Bangalow, Jamnagar - 361001. Jamshedpur: Kanchan Tower, 3Rd Floor, Chhaganlal Dayalji @ Sons 3-S B Shop Area, ( Near Traffic Signal ) Main Road, Bistupur, Jamshedpur - 831001. Jaunpur: 119, R N Complex, 2nd Floor, Near Jay Ceej Crossing, Ummarpur, Jaunpur - 222002. Jhansi: 371/01, Narayan Plaza, Gwalior Road, Near Jeevan Shah Chauraha, Jhansi - 284001. Jodhpur: 203, Modi Arcade, Chupasni Road, Jodhpur - 342001. Junagadh: 124/125, Punit Shopping Center, Ranavat Chowk, Junagadh, Gujarat - 362001. Kannur: 2nd Floor, Prabhat Complex, Fort Road, Kannur - 670001. Kanpur: 15/46, Ground Floor, Opp: Muir Mills, Civil Lines, Kanpur - 208001. Karaikudi: Gopi Arcade, 100 Feet Road, Karaikudi - 630001. Karimnagar: H.No.4-2-130/131, Above Union Bank, Jafri Road, Rajeev Chowk, Karimnagar - 505001. Karnal: 18/369, Char Chaman Kunjpura road, Karnal -132001. Karur: No. 6, Old No.1304, Thiru-Vi-Ka Road, Near G. R. Kalyan Mahal, Karur - 639001. Kharagpur: Malancha Road, Beside Uti Bank, Kharagpur - 721304. Kolhapur: 605/1/4 E Ward, Near Sultane Chambers, Shahupuri, 2nd Lane, Kolhapur - 416001. Kolkata: 166A, Rashbehari Avenue, 2nd Floor, Near Adi Dhakerhwari Bastralaya OPP- Fortis Hospital, Kolkata - 700029. Kollam: Ground Floor, Vigneshwara Bhavan, Below Reliance Web World, Kadapakkada Kollam - 691008. Korba: 1St Floor, 35 Indira Complex, T P nagar, Korba (C.G.) - 495677. Kota: H.No. 29, First Floor, Near Lala Lajpat Rai Circle Shopping Centre, Kota - 324007. Kottayam: 1St Floor, Csi Ascension Church Complex, Kottayam - 686001. Kurnool: Shop No. 43, 1St Floor, S V Complex, Railway Station Road, Kurnool - 518 004. Lucknow: Usha Sadan, 24, Prem Nagar, Ashok Marg, Lucknow - 226001. Ludhiana: SCO - 136, First Floor, Above Airtel Show Room, Feroze Gandhi Market, Ludhiana - 141001. Madurai: Rakesh Towers, 30-C, Bye Pass Road, Ist Floor, Opp Nagappa Motors, Madurai - 625010. Malappuram: First Floor, Cholakkal Building, Near A U P School, Up Hill, Malappuram - 676505. Malda: Sahistuli Under Ward No-6, English Bazar Municipality, No-1 Govt Colony, Malda - 732101. Mangalore: Ground Floor, Mahendra Arcade Kodial Bail, Mangalore - 575003. Mandi: House No.149/11, School Bazar, City, Mandi - 175001. Margoa: 2Nd Floor, Dalal Commercial Complex, Opp: Hari Mandir, Pajifond, Margao - Goa - 403601. Mathura: AMBEY Crown, IInd Floor, In Front Of BSA College, Gaushala Road, Mathura - 281001. Meerut: 1St Floor, Medi Centre Complex, Opp. Icici Bank, Hapur Road, Meerut - 250002. Mehsana: Ul - 47, Appolo Enclave, Opp Simandhar Temple, Modhera Char Rasta Highway, Mehsana - 384002. Mirzapur: Girja Sadan, Dankin Gunj, Mirzapur - 231001. Moga: Near Dharamshala Brat Ghar, Civil Line, Dutt Road, Moga - 142001. Moradabad: Om Arcade, Parker Road, Above Syndicate Bank, Tari Khana Chowk, Moradabad - 244001. Morena: Moti Palace, Near Ramjanki Mandir, Jiwaji Ganj, Morena - 476001. Mumbai: Office number: 01/04 24/B, Raja Bahadur Compound, Ambalal Doshi Marg, Behind Bombay Stock Exchange, Fort, Mumbai - 400001. Muzaffarpur: 1St Floor, Uma Market, Near Thana Gumti, Motijheel, Muzaffarpur, Bihar - 842001. Mysore: L - 350 , Silver Tower, Clock Tower, Ashoka Road, Mysore - 570001. Nadiad: 105 Gf City Point, Near Paras Cinema, Nadiad - 387001. Nagarkoil: 3A, South Car street, Parfan Complex, Nr The Laxmi Villas Bank, Nagarcoil - 629001. Nagpur: Plot No.2/1, House No. 102/1, Mangaldeep Apartment, Mata Mandir Road, Opp. Khandelwal Jewellers, Dharampeth, Nagpur - 440010. Namakkal: 105/2, Arun Towers, Paramathi Street, Namakkal - 637001. Nanded: Shop No. 4, First Floor, Opp. Bank Of India Santkrupa Market, Gurudwara Road, Nanded - 431602. Nasik: S-12, Second Floor, Suyojit Sankul, Sharanpur Road, Nasik - 422002. Navsari: 1St Floor, Chinmay Arcade Opp. Sattapir, Tower Road, Navsari - 396445. Nellore: 207, II Floor, Kaizen Heights,16/2/230, Sunday Market Pogathota, Nellore - 524001. New Delhi: 305, 3rd Floor, New Delhi House, Bara Khamba Road, Connaught Place, New Delhi - 110001. Nizamabad: H No. 4-9-55, 1St Floor, Uppala Rameshwara Complex, Jawahar Road, Nizambad - 503001. Noida: 307, Jaipuria Plaza, D 68 A, 2nd Floor, Opp Delhi Public School, Sector 26, Noida - 201301. Palghat: 12/310, (No.20 & 21), Metro Complex, Head Post Office Road, Sultanpet, Palghat - 678001. Panipat: 1St Floor, Krishna Tower, Near Hdfc Bank, Opp. Railway Road, G T Road, Panipat - 132103. Panjim: City Business Centre, Coelho Pereira Building ,Room Nos.18,19 & 20, Dada Vaidya Road, Panjim - 403001. Pathankot: I Floor, 9A, Improvement Trust Building, Near HDFC Bank, Patel Chowk, Pathankot - 145001. Patiala: Sco 27 D, Chhoti Baradari, Patiala - 147001. Patna: 3A, 3Rd Floor Anand Tower, Exhibition Road, Opp Icici Bank, Patna - 800001. Pollachi: S S Complex, New Scheme Road, Pollachi - 642002. Pondicherry: First Floor No.7, Thiayagaraja Street, Pondicherry - 605001. Proddatur: Beside SBI ATM, Near Syndicate bank, Araveti Complex, Mydukur Road, Kadapa Dist, Proddatur - 516360. Pudukottai: Sundaram Masilamani Towers, Ts No. 5476 - 5479, Pm Road, Old Tirumayam Salai, Near Anna Statue, Jublie Arts, Pudukottai - 622001. Pune: Shop No. 16, 17 & 18, Ground Floor, Sreenath Plaza, Dyaneshwar Paduka Chowk, F C Road, Pune - 411004. Raipur: Room No. TF 31, 3 RD FLOOR, Millennium Plaza, Behind Indian Coffee House, G E Road, Raipur - 492001. Rajahmundry: Dr.No; 6-1-4, first Floor, Rangachary street, Tnagar, Rajahmundry - 533101. Rajapalayam: Professional Couriers Building, 40/C (1), Hospital Road, Rajapalayam - 626117. Rajkot: 104, Siddhi Vinayak Complex, Dr Yagnik Road, Opp Ramkrishna Ashram, Rajkot - 360001. Ranchi: Room No. 307, 3Rd Floor, Commerce Towers, Beside Mahabir Towers Main Road, Ranchi - 834001. Ratlam: 1 Nagpal Bhavan, Freeganj Road, Tobatti, Ratlam - 457001. Renukoot: Shop No. 18, Near Complex Birla Market, Renukoot - 231217. Rewa: Ist Floor, Angoori Building, Besides Allahabad Bank Trans University Road, Civil Lines, Rewa - 485001. Rohtak: 1St Floor, Ashoka Plaza, Delhi Road, Rohtak - 124001. Roorkee: Shree Ashadeep Complex, 16 Civil Lines, Near Income Tax Office, Roorkee, Uttaranchal - 247667. Rourkela: 1St Floor, Sandhu Complex, Kanchery Road, Udit Nagar, Rourkela - 769012. Sagar: Above Poshak garments, 5 Civil Lines, Opposite Income Tax Office, Sagar - 470002. Saharanpur: 18 Mission Market, Court Road, Saharanpur - 247001. Salem: Door No: 40, Brindavan Road, Near Perumal Koil, Fairlands, Salem - 636016. Sambalpur: Quality Massion, 1St Floor Above Bata Shop / Preeti Auto Combine, Nayapara, Sambalpur - 768001. Satna: 1St Floor, Gopal Complex, Near Busstand Rewa Road, Satna (M.P) - 485001. Shaktinagar: 1st/A-375, V V Colony Dist. Sonebhadra, Shaktinagar - 231222. Shillong: Mani Bhawan, Thana Road, Lower Police Bazar, Shillong - 793001. Shimla: Triveni Building, By Pas Chowk, Khallini, Shimla - 171002. Shimoga: Uday Ravi Complex, LLR Road, Durgi Gudi, Shimoga - 577201. Shivpuri: 1ST Floor, M.P.R.P. Building, Near Bank of India, Shivpuri - 473 551. Sikar: 1St Floor, Super Towers, Behind Ram Mandir, Station Road, Sikar - 332001. Silchar: 1St Floor, Chowchakra Complex, N N Dutta Road, Premtala, Silchar - 788001. Siliguri: Nanak Complex, Near Church Road, Sevoke Road, Siliguri - 734001. Sitapur: 12/12-A, Surya Complex, Arya Nagar, Opp. Mal Godam, Sitapur - 261001. Sivakasi: 363, Thiruthangal Road, Opp: Tneb, Sivakasi - 626123. Solan: Sahni Bhawan, Adjacent Anand Cinema Complex, The Mall, Solan - 173212. Solapur: Siddeshwar Secrurities, No 6, Vaman Road, Vijaypur Road, Vaman Nagar, Solapur - 413004. Sonepat: 205, R Model Town, Above Central Bank Of India, Sonepat - 131001. Sri Ganganagar: 35-E-Block, Opp. Sheetla Mata Vatika, Sri Ganga Nagar - 335001. Srikakulam: 4-1-28/1. Venkateshwara Colony, Day & Night Junction, Srikakulam - 532001. Sultanpur: Rama Shankar Complex Civil Lines, Faizabad Road, Sultanpur - 228001. Surat: G-6 Empire State Building, Near Parag House, Udhna Darwaja Ring Road, Surat - 395002. Thanjavur: Nalliah Complex, No.70, Srinivasam Pillai Road, Thanjavur - 613001. Thodupuzha: First Floor, Pulimoottil Pioneer Pala Road, Thodupuzha - 685584. Tirunelveli: Jeney Building, 55/18, S N Road, Near Arvind Eye Hospital, Tirunelveli - 627001. Tirupathi: Plot No.16 (south part), First Floor, R C Road, Tirupati - 517502. Tirupur: First Floor, 224 A, S Selvakumar Departmental Stores, Ist Floor, Kamaraj Road, Opp To Cotton Market Complex, Tirupur - 641604. Tiruvalla: 2nd Floor, Erinjery Complex, Near Kotak Securites, Ramanchira, Tiruvalla - 689107. Trichur: 2’Nd Floor, Brother’S Complex, Near Dhana Laxmi Bank Head Office, Naikkanal Junction, Trichur - 680001.Trichy: Sri krishna Arcade, 1St Floor, 60 Thennur High Road, Trichy - 620017. Trivandrum: 2Nd Floor, Akshaya Towers, Above Jetairways, Sasthamangalam, Trivandrum - 695010. Tuticorin: 4 B, A34, A37, Mangalmal, Mani Nagar, Opp: Rajaji Park, Palayamkottai Road, Tuticorin - 628003. Udaipur: 201-202, Madhav Chambers, Opp. G.P.O, Chetak Circle, Madhuban, Udaipur - 313001. Ujjain: 101, Aastha Tower, 13/1, Dhanwantri Marg, Free Gunj, Ujjain - 456010. Valsad: Shop No 2, Phiroza Corner Opp Next Showroom, Tithal Road, Valsad - 396001. Vapi: Shop No 5, Phikhaji Residency Opp Dcb Bank, Vapi Silvassa Road, Vapi - 396195. Varanasi: D-64/132, KA 1st Floor, Anant Complex, Sigra, Varanasi - 221010. Vellore: No.1, M.N.R. Arcade, Officer’S Line, Krishna Nagar, Vellore - 632001. Vijayanagaram: “Soubhagya”, 19-6-13/1, ll nd Floor, Near Sbi Fort Branch, Vijayanagaram - 535002. Vijayawada: 39-10-7 Opp Municipal Water Tank, Labbipet, Vijayawada - 520010. Visakhapatnam: 47-14-5/1 Eswar Paradise Dwaraka Nagar, Main Road, Visakhapatnam - 530016. Warangal: 5-6-95,1 st Floor, opp: B.Ed collage, Lashkar Bazar, Chandra Complex, Hanmakonda, Warangal - 506001. Yamunanagar: Jagdhari Road, Above Uco Bank, Near D.A.V. Grils College, Yamuna Nagar -135001.